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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XX/XX/XXXX {$940.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} - duplicate XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$4900.00} - duplicate XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} - duplicate late payment XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
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 USC 1681. 

Account Names/ Account Numbers XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 has violated my rights. 

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 an 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: Mortgage

4 months spent contacting them and attempting to get a response from them with complete failure on their part to respond. I was hung up on and ignored, lied to and promised that someone would get back to me. I have now lost the opportunity to refinance at a historic low rate. Due to them ignoring me and lieing to me, I have now past the deadline of locking in a low rate and missed out on saving thousands of dollars. They did not return correspondence from my lender and were not willing to help. We made over 12 contacts with them including 3 way calls and e mails. They were reluctant to put us in contact with someone who was willing to help. My final call was yesterday, where I was on the phone for 4 hours and redirected 3 times to people who simply had no intention of helping me. The call ended when I was hung up on after being on hold for 1 hour and 20 minutes. I was contacted today by my lender for my refinance attempt, XXXX XXXX XXXX, and told that they were giving up and did not know of anything more they could do. They suggested I file a complaint. I was also contacted by Sun Trust XXXX today, they said they were starting an investigation into why I was treated this way. The XXXX  was not calling to assist me in my efforts, which I found odd. I believe that their company stance is to treat people like this when asking to subordinate a second mortgage. My lender spoke with people within the industry and learned that this is common practice with SunTrust. I would like to seek damages from them and would be interested in knowing how to do such a thing.
Product: Credit card or prepaid card

When I initially filed the disputes ( both for XXXX  ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. 

The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. 

When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. 

To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. 

I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. 

Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. 

I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Product: Debt collection

Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.
Product: Debt collection

A fraudulent credit card was opened using my information at Bank of America. I received a notification the day after it was opened via a credit monitoring service. 

I called them that day and told them the card was opened fraudulently. They stated they would close the account immediately. I later received a statement that there was a balancing owing, about the same as the credit limit on the card. 

I contacted Bank of America again and they said the account was closed. I asked them about the amount owing and they said it takes some time to clear up. Now two months later I have a negative mark on my credit report. I called them again and they began demanding I pay the balance! I said it was fraud and they said " we've closed the account. '' and were unwilling to readily resolve the issue putting me into transfer XXXX back and forth between departments, none of which wanted to solve it and instead transfer me back to the department that sent me to them. 

At this point I will be working with CFPB and my state 's Attorney General to resolve what amounts to negligence on the part of Bank of America.
Product: Debt collection

On XX/XX/XXXX, I did not have any cash on me when passing a XXXXXXXX XXXX toll in Delaware XXXX ( # XXXX ). I explained I could pay with my bank card but was denied and told I would be getting a toll violation in the mail. 

On XX/XX/XXXX, I finally went to XXXX XXXX XXXX to pay a sum of XXXXXXXX XXXX and was confirmed that payment went through. *Bank Statement shows this transaction. 

Linebarger Goggan Blair & Sampson, LLP sends out the first notice of debt that was sent to collections. 

Immediately, I called their customer service the next day. They said I needed to call XXXX to confirm my Payment. ( I tried disputing over the phone ). 

On XX/XX/XXXX, XXXX emailed ; " No payment was processed '' and to contact collections for further assistance. *Have the email receipts. 

On XX/XX/XXXX, I tried disputing the transaction with my bank. XXXX XXXX investigated and on the XXXX of the same month I was told the transaction was too old to dispute and there was little they could do. 

On XX/XX/XXXX, I received a second notice of unpaid tolls and fees from Linebarger Goggan Blair & Sampson , LLP. 


XX/XX/XXXX, I'm taking action with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed some incomplete and inaccurate information. According to the Fair Credit Reporting Act ; Whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX are not complete or accurate. 

I sent a letter disputing the accuracy and completeness of my report. 
They sent my investigation back and said everything is complete, accurate and verified. I have attached evidence to support my claim to DELETE these accounts from my credit profile due to factual disputing and agencies not properly investigating my disputes. 

In accordance with 15 USC 1681 i 5 they're supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, 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, ot 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 deleted from consumer profile. 
Also according to this law they're supposed to provide me a description of the investigation according to 15 USC 1681 i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer description referred to in paragraph ( 6 ) ( B ) ( III ) by not later than 15 days after receiving a request from a consumer. 
But they did not do so. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
Product: Prepaid card

Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and XXXX  It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Debt collection

Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Amer Fst Fin has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting   XXXX   on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 30 inquires on my report. This should have never happened with a fraud alert placed. I was never contacted for these inquires and I have no idea what they are.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Information To Whom It May Concern : I am writing to file a formal complaint regarding the unresolved inaccuracies and unverified information on my credit report, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my initial dispute with the credit reporting agency ( XXXX ) dated XX/XX/XXXX, the disputed items have not been corrected or removed. 

Details of Disputed Accounts : Account XXXX : XXXX XXXX  Account Number : XXXX Account Type : Revolving - Credit Card Date Opened : XXXX Balance : {$0.00} Credit Limit : {$300.00} High Credit : {$430.00} Payment Status : As Agreed Late Payment Status : Was 30 Days Late 2 Times Comments : Current Account/Was 30 Days Past Due Date Two Times, Account Information Disputed By Consumer Discrepancies : Reported with both XXXX and XXXX as Date Last Active. 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment/Open - Factoring Company Account Date Opened : XXXX Balance : {$2600.00} High Credit : {$2600.00} Payment Status : Collection or Charge Off Late Payment Status : Was 90 Days Late 18 Times Comments : Account Seriously Past Due Date/Account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Information Disputed By Consumer Discrepancies : Reported with conflicting statuses ( Closed and Open ) and impossible dates ( XXXX and XXXX ) as Date Last Active. 

Disputed Items and Grounds for Complaint : Despite my request for verification under FCRA 609 ( a ) ( 1 ) ( A ), the credit reporting agency failed to provide the necessary documentation or correct the inaccuracies. 

Inaccurate Reporting and Impossible Dates : Account 1 : The Date Last Active has been updated with an impossible future date ( XXXX ), indicating erroneous reporting. 

Account 2 : The account can not be simultaneously reported as both " Closed '' and " Open, '' and it contains impossible dates ( XXXX and XXXX ). 

Erroneous Late Payment Claims : Account 2 : It is reported that I was 90 days late 18 times, which is mathematically impossible given the account 's opening date of XX/XX/XXXX, and the current date. 

These inaccuracies suggest a failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported, as required by FCRA 623 ( a ) ( 1 ) ( A ). I have requested that the credit reporting agency delete the unverifiable and inaccurate information as required under FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$760.00}
Product: Debt collection

Car loan was paid off by insurance company after an accident. The bank was/is demanding that I pay and additional {$2500.00} for a salvage title. The car was not kept by me but by the insurance company. I've called XXXX XXXX  serval time and they will not help and keep transferring my calls to a voice mail.
Product: Money transfer, virtual currency, or money service

I had a Robinhood spending account but Robinhood closed my account their reason was because of reversals even though I had the money in my bank, they wont let me transfer money out of my spending and I have a pending transaction of {$75.00} that I didnt use for gas they said I would have my XXXX thats in my spending on XX/XX/XXXX it is now XX/XX/XXXX XXXX