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

I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX  XXXX Balance Owed : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Debt collection

This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts. <P/>Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.
Product: Checking or savings account

On Tuesday XXXX XXXX I went to an ATM to withdraw {$300.00} from my chime account. The transaction was almost complete the machine had put the money out in the slot but my phone rang and I was trying to get it out of my purse and the ATM timed me out and took the money back before I could get it. I didnt even know that an ATM machine could do that. The machine flash a message saying contact your financial institution. So I did I called chime told them what happened and they said that they would start an investigation on it. Then they said that their investigation was closed and that they didnt find anything wrong. I told them that I wanted my {$300.00} dollars back and they opened another investigation and this time they gave me the {$300.00} back. But then about two weeks later they sent me an email saying they had found no wrong doings and they were going to debit my account for the {$300.00}. And they did. So they have my account at a XXXX XXXX  right now. I cant afford to pay this to them and I dont want it against my credit. I swear the ATM took the money back I didnt get it. They are basically calling me a liar and a thief. I am neither I honesty did not get the money that night. What can I do to fix this??
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus XXXX, Experian and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days XXXX which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the CFPB regarding this collection company trying to collect on an already discharged Bankruptcy debt recently. They responded with an answer of which I will paste right here : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, XXXX. In light of the information provided in this complaint, we have closed our file and returned the account to our client for further review and processing. As such, you will not receive any further communication from our office pertaining to this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX As you can see, they had promised to have this deleted from all of the credit bureau agencies, but instead, not only did they not remove it, but it was added to my XXXX  and XXXX credit reports after this response/answer was given to me stating otherwise. So it was removed from XXXX  and added to the other two bureaus after the answer was given in regards to this matter. I even called and spoke to a gentleman over at DRS 's main phone number and told him what happened. He stated that he would have it removed immediately as well-that was over two weeks ago. Since then, this damaging entry still remains on my credit and I am fed up and done with trying to reason with this Company. The next step will be legal action. Who's to say that I haven't already spoken to an Attorney about this mess? I am finished playing games with this collection company. I feel like they have been lying and being very deceitful about this whole situation-From trying to collect on a discharged bankruptcy debt right up until now where they promised to remove this damaging credit report entry but instead ADDED IT to the other credit bureaus ' database after they had promised that it would be removed from all of them. 

I am not happy about any of this and I can assure you that if this doesn't get taken care of IMMEDIATELY, I won't hesitate to take this to the very next step that is legally available to me as a consumer. My credit is ruined because of these guys, I have suffered from many credit application denials because of this damaging credit report entry, and I have suffered beyond explanation both mentally and emotionally because of the stress that this has created for me over the last few months.
Product: Credit card or prepaid card

On XX/XX/2020 a fraudulent charge of {$4000.00} was made with a convenience check on my Barclays credit card account. There was also a {$160.00} balance transfer fee that was charged to the account when the fraudulent check was used. Barclays has investigated the matter and credited me the {$4000.00} back HOWEVER they have not credited back the {$160.00} fee for the {$4000.00} check and it has now ballooned into {$230.00}. They continue harassing me with collection phone calls and yet when I call them I can not get through to the proper person who can do something about it. Its been over a month and Ive made dozens of phone calls. This is an abusive practice and I believe they deliberately make their phone system borderline impenetrable in order to avoid customers. It is unfair that this charge could go into collections and negatively affect my credit report. They need to resolve this matter of the fraudulent fee. I spent over 3 hours on the phone today and the lady I was speaking to kept apologizing but said she simply didnt know who to contact. These are abusive and unfair practices toward the customer and I hope youll work to resolve this with Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a alert that I have a new inquiry on my credit on XXXX XXXX from capital one bank I never signed up for a new capital one card I believe its fraud
Product: Debt collection

XX/XX/year> First the guy called me I told him to stop contacting me. 
Minutes later I received text messages threatening to put leans on my bank account.

I asked him to stop contacting me and he continued to text me.

Upon checking my email I see that he has now started emailing me the same threats after being asked twice to stop contacting me.
Product: Debt collection

This company will repeatedly call the co-signer and me each 2-4 times a day each despite us asking them multiple times to limit the phone calls to mainly just me, 1-2 times a day, and an email. 

I know I have an obligation to pay, but I have informed multiple people multiple times I need my phone to be free from calls due to my work. I have had this loan for over a year and due to health issues and financial reasons, we have made the majority of payments 1-30 days late. They know the bill will be paid, so I am not sure why these harassment tactics continue. 

Currently I am 2 days past due {$100.00} and they have already called multiple times today from two different numbers ( its only XXXX ). 

A few months ago one representative ( I cant remember his name ) actually told me they have the right to keep calling since I owe a debt. There have been times I answered and told them I can not talk, but they kept speaking, telling me it just takes a minute to pull out my card and set up a payment. 

In the past, they have also called my relatives and told them they thought their number was mine, despite their number having no connection to me nor has it ever been provided to the company. 

I do know my rights and I do have some phone records that I can provide if needed To back up my claims.
Product: Credit reporting

On or about XXXX XXXX, I received a phone call from XXXX Bank requesting payment on a credit card. Having never been a client of XXXX Bank I ran my credit report and, indeed, found a credit card, address, and phone number, that did not belong to me. I called XXXX Bank back to report the fraud, and they told me no accounts were open with my Social Security Number, but were able to close the fraudulent account. I have now began the notification process to repair my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

Direct deposit funds are unavailable. My employer has confirmed funds were sent but they remain unavailable. This has resulted in several bounced transactions. Capital One has offered no assistance and absolutely minimal information. Communication has been abysmal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX wont provide accurate information on contract to validate account. 

4. XXXX wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. TransUnion wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXXXXXX reporting incorrect date of last activity, XXXX XXXX is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. TransUnion is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.
Product: Bank account or service

False Advertising - Citibank US ( Promotion Code XXXX ) Opened an account with Citibank with Minimum deposit of XXXX back in XXXX.Maintained the funds for 6 months now, Citibank promised to gave promotional bonus {$400.00} ( on maintaining the minimum balance for 90 days ) its been over 2 months when the criteria is Met. 

Still awaiting promotional bonus dollars. Filed a complaint on XXXX XXXX with Citibank ( Complaint # XXXX ). Supervisor XXXX telling me still it will take 30 business days to complete review of account and process once the verification is done. 

3 Visits to the bank and 3 phone calls, 6 months of account opening and still waiting for resolution on the case.Need help to resolve the complaint.
Product: Credit reporting or other personal consumer reports

federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES REPORTED XXXX XXXX XXXX XXXX XXXX  EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX  FL XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I was notified of a debt in collections via XXXX XXXX credit monitoring alert. 

Transworld Systems Inc. sent a notice to the credit reporting agencies about a dept from XX/XX/XXXX before it was verified. I contacted Transworld Systems XXXXnc. to obtain proof of the debt because the original creditor, XXXX XXXX, never contacted me. A supervisor named XXXX XXXX refused to remove the notice on my creditor report until the debt could be verified. He threatened to endanger my credit health even though the debt is from XXXX years ago and for the amount of {$380.00}. 

The debt was settled with the original creditor, XXXX XXXX. I requested from them proof of the payment. The payment confirmation number is XXXX.