23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Republic Finance , LLC XXXX : Legal & Compliance Department XXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear Republic Finance , Inc I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XXXX of XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

In XXXX 2016 CREDCO for XXXX called to offer me a lower interest. I asked them if an inquiry would be reported to the XXXX-they told me no-it would not be however I refused the assist due to my XXXX credit score and me currently trying to get myself out of debt. Most of the inquiries are from this company s they call every 2 or 3 months. I now see this Inquiry on my report and want it removed as I DID NOT give them permission. Can you please help me. 

XXXX XXXX XXXX Phone XXXX XXXXXXXXXXXX XXXX
Product: Consumer Loan

My boyfriend submitted fake check stubs to obtain a vehicle loan and is now hiding the car because he is unable to make the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several debt validation letters to Transunion over the past 6 months and they do not do any proper investigation or fulfill any of my requests for investigation. I told them about my address being in correct, I sent in proof of my utility bill with driver 's license and ss card, they sent me a stall letter. I asked for XXXX account on my credit to be removed because it could not be validated by company. They still have not completed it. I have a discharged bankruptcy that is not reporting on XXXX or XXXX so why is it showing on Transunion? I have told them this and they have yet to budge on any of my requests and it has been well over 30 days each time.
Product: Debt collection

AMEX Debt Collector calling me daily for over a month ( XX/XX/XXXX- XX/XX/2022 ) about my employee 's personal debt. Asks me to contact her, tell her to call them back. 

Leaves a voicemail with this callback information ( XXXX ref # XXXX ). 

I told them many times not to contact me anymore, that I will not speak to my employee about the debt. They keep calling and harassing me. 

It is not my debt and not my company 's debt.
Product: Mortgage

i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.
Product: Credit card

I opened a credit card in XXXX at XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX. The banker sold me, saying the card was 0 % on purchases and balance transfers for 12 months, along with 1.67 % cash back on purchases. I received the card, put my vacation cruise on it and was charged interest on my XXXX bill. I spoke with XXXX at the branch and was told the banker had clicked the wrong card, giving me the balance transfer promotion only. After a month of working with XXXX, he called on XXXX and stated he and his Regional Manager had a solution ; opening a new card to do a balance transfer, waiving all fees and interest. I opened the new card on XX/XX/XXXX and began what I thought was the process of the balance transfer. I was then called Thursday XX/XX/XXXX by someone in XXXX XXXX XXXX  and told that since they could not find a " bank error '', they would no longer be making the balance transfer or refunding any interest. I now have 2 credit checks, 2 new account hits on my credit, 1 closed account with a {$3800.00} balance and 1 open credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX are all reporting the following incorrect data on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX XXXXT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments.
Product: Prepaid card

I received an Amex Gift Card from work. When I tried to use it online to get food, it wouldnt work, so I called the company to check why, and they couldnt even find my card ( which I was actively looking at the balance of, that being {$150.00} USD ). After calling them multiple times, and multiple times getting disconnected, I finally got on the phone with an actual person, who disconnected me and led me back to exactly where I was before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  21,2017   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Product: Credit card or prepaid card

Unknown merchant charged my XXXX card. I called XXXX twice and sent form once to XXXX about this. XXXX can not identify merchant. On first call they gave name and phone of a merchant but merchant did not recognize this charge ( and they are out of my state ( I am in Illinois, merchant called in Arizona ). 
Second call to XXXX - gave another merchant name but XXXX claimed they have no phone number of merchant. I wrote merchant but no response. 
I expect that XXXX should have full correct name, address and contact phone for all USA merchants. 

XXXX refuses to resolve dispute or credit my account unless they cancel the card and reissue. I do not want this due to many valid merchants have authority to charge existing account. I expect XXXX should resolve and contact merchant which they refused.
Product: Checking or savings account

Hello Suntrust closed a business account because they indicated they noticed fraud. The account was a business account XXXX XXXXXXXX XXXX XXXX XXXX. They advised on XX/XX/2020 a check was deposited into the business account in the amount of XXXX which was a fake check. On Saturday XX/XX/2020 I was advised the check was fraudulent however at that time Suntrust bank was closed so on XX/XX/2020 I went into the local branch and advised the manager the check was fraudulent. At that time the manager advised the check was already deposited and it was nothing she could do. She advised if the check is deemed to be fraud, the account would be closed and I would receive my deposit of XXXX via check, she also stated I could attempt to establish a new account within 30 days. The account was closed and I did receive the XXXX via check. I never attempted to get money from the check, no one lost money. I did not willing put a fake check into my account. I am not the police nor do I work for a bank, therefore I was not able to tell the check was fake prior to making the deposit. I rendered services to the person that wrote the check, so I lost money as well. 

I do not want to reopen an account with SunTrust however I do not want Suntrust reporting to consumer reporting agencies that I committed fraud against their bank. I have never committed fraud a day in my life. The definition of fraud is : wrongful or criminal deception intended to result in financial or personal gain. I did not intend to commit fraud and when I found out I went to the bank and told them. I did not benefit from this situation, I actually lost. I do not want SUNTRUST reporting that my account was closed due to fraud because fraud was not committed at all. 

I will like to speak to someone about this.
Product: Credit reporting or other personal consumer reports

Since the XXXX in XXXX of XXXX XXXX I have been bombarded on my credit report with inquiries numerous even in his last year I don't know what's going on but I've tried to pull my credit report I did have a freeze on it and a credit lock and yet I was notified again yesterday through a company of law firm that my medical has been breached through anthem XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I'm just beside myself on where to start or how to handle any of this they are coming in from different inquiries from anywhere from mortgages XXXX XXXX anywhere from credit cards Bank inquiries you name it XXXX numerous I mean hundreds of inquiries this has dropped my credit score from the XXXX 4 years ago down to a XXXX I do know. That the IRS contact me that someone has filed XXXX taxes on me I went for a refund on my stimulus I can not get it because I have to prove my identity and wait a minute they took my identity now I have to fight to get it back this is really ridiculous on a woman that lives on a XXXX XXXX XXXX insurance check so please tell me what to do I'm ready to move forward on this I will try and pull my credit reports and have all this information so I can send screenshots I do not know please contact me on how to do this there's also I have had thousands upon thousands of fake profiles on me through XXXX XXXX XXXX XXXX XXXXXXXX this is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd I'm done with it with the fake letters and everything coming from a fake XXXX XXXX XXXX XXXX XXXX I think you look his name uXXXX XXXX XXXX I have been evicted from my apartment due to being XXXX XXXX XXXX and not being able to get my XXXX till late I owe XXXX XXXX because I had to move from my state to another state my XXXX did not pick up properly so now after XXXXXXXX XXXX XXXX I owe XXXX XXXX XXXX XXXX I don't know what to do can not find the lawyer to take this I'm sorry but I don't have the money to pay out every month for a walk on my credit or freeze I think this is ridiculous for the poor people XXXX is where it all started at I couldn't even File a proper claim against XXXX due to being XXXX and they only wanted to pay for XXXX hours {$15.00} an hour this has been going on for almost 5 years they have shut down my XXXX XXXX XXXX account now they have got my credit union account which had been open for 42 years. So you seen it's not just one instead of one thing it's been a variety of things from the social media internet to XXXX to XXXX to XXXX you name it I have seen money moved like you would not believe behind the scenes trying to drag me in on these scams I won't do it please lead a XXXX XXXX XXXX XXXX with a woman on what to do thank you very much looking forward to hearing from you.
Product: Debt collection

Last year, I attended a virtual timeshare presentation for a product offered by XXXX XXXXXXXX XXXX XXXX XXXX After agreeing to try the product, I realized within the first day that it was not what had been promised. I immediately contacted the company by email to cancel the agreement, but no one responded. The following Monday, I called their office and was directed to their financial company. When I contacted the financial company, they redirected me back to XXXX XXXXXXXX XXXX XXXX XXXX 

Seeking resolution, I consulted my attorney, who advised me to send a certified letter formally requesting cancellation. I sent the letter, but it was returned unopened. I then sent another letter without certification to avoid it being returned. Despite this, I received no response. 

I escalated the issue by filing a formal complaint with the South Carolina Department of Consumer Affairs, which accepted my case and assigned it a case number ( Case Number : XXXX ). My attorney also contacted the Adjutant Generals for Consumer Affairs in Hawaii and California, but both referred the matter back to South Carolina. 

In the meantime, XXXX XXXX XXXX XXXX XXXX, through XXXX XXXX XXXX, reported this disputed account on my credit report in XXXX of last yearwithout providing me with any statements or prior notice. This action has negatively impacted my credit, despite my consistent efforts to resolve the matter throughout the year. 

Recently, after posting reviews on XXXX XXXX XXXX XXXX page and the XXXX XXXX XXXX XXXX XXXX page, I received a response stating that I have been the victim of a scam and that the company is not legitimate. This acknowledgment of fraudulent activity aligns with my experience and confirms that I have been exploited. 
I have submitted multiple disputes to the credit bureaus regarding this fraudulent account, but all have been denied or unresolved. I am now filing this statement as part of my efforts to remove this illegitimate account from my credit report and seek justice for the harm caused by this scam. This account has severely impacted my otherwise perfect credit history. Despite my repeated disputes with the credit bureaus, the account remains unresolved. 

I also recently discovered that my identity has been stolen, resulting in significant fraudulent activity affecting both my finances and credit history. Earlier this year, my XXXX account was hacked, leading to an account takeover. It appears the hackers created fraudulent checks, totaling nearly {$100000.00}, which were submitted to my bank. Thankfully, my bank detected the fraud in XXXX, apprehended the checks, and helped me shut down the compromised accounts. New accounts have since been opened, and additional security measures have been implemented. 

Due to this QuickBooks issue and the recent notice that Hawaii XXXX XXXX XXXX XXXX XXXX also be fraudulent scammers, I submitted an identity theft report with the FTC after making a police report as well. My reference number is : XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. 

Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) XXXX XXXX Transunion There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.
Product: Credit reporting

Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.