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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX
Product: Vehicle loan or lease

Santander states I didn't dispute with them yet I did attempt to dispute via Santander through various methods before disputing with the credit bureau 's. Wether their records are kept is irrelevant to me. I'm not asking for goodwill. The facts are Santander said I wouldn't be reported late if I chose to do an agreement with them which I did when the pandemic began. I was told I could pay later. In addition, I extended my lease to cover the months of XXXX and XX/XX/2020. I signed on XXXX because they hadn't offered me the document to sign sooner. And, the request for payment assistance was done prior to becoming late. I can't say anything about your records keeping but this is the whole truth.
Product: Credit card

Paypal credit - Payment made on account to pay balance in full on XXXX  .... Company was holding payment and did not allow it to clear to update balance... The funds cleared my bank on XXXX XXXX Stated to me in chat that I was over the limit ( even though I paid balance in full ) and you look online it showed available balance of XXXX dollars. Stated that it would be XXXX XXXX  before funds would be applied to the account. Even though they cleared my bank on XX/XX/XXXX ..... I asked them to closed the account no less than XXXX time and they disconnected the chat and left the account open...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one issue with false delinquency being reported on my account and the company that reported it confirmed it will be removed in 30 to 60 days, great!!!! 
Now Experian just dropped my score by 22pts today XX/XX/18 and it's showing I was late on a payment last month bit doesn't provide which account it was reported on and like I said before, I NEVER MISS PAYMENTS ... .. Experian I am tired of the false info being on my account and never being able to get straight answers on who, what or why it's there. 
I just want the stuff off my account.
Product: Credit card

I found two cash advance purchases which were fraudulent on my statement and contacted Capital One as they have {$0.00} fraud liability it started a dispute and after a few months I received the letter that the dispute has been resolved in your favor and we have reimburse you the money but I saw that they only included one purchase rather than to purchases which were from the same bank it was a customer service error so I contacted them again and I told them the customer service representative did not include the second purchase they started another dispute but this time Capital One denied it saying it is too old I told Capital One it is the same dispute your customer service representative made an error did not included the second one but they refused and backed off their XXXX dollar liability
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reported a false inquiry on my credit on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, Equifax, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously raised concerns regarding Equifax and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX XXXX. However, Equifax has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my Equifax Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with Equifax, XXXX, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with Equifax it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where XXXX and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX Comenity Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX  XXXX Auto - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus and Citi bank and have had this information removed from my report twice already. 

Citi bank credit card opened in my name- This is fraud and i have filed fraud alerts, and put them on my credit report going back 7 years. 

I have called the credit bureaus And Citi bank and can not get this removed because I can not give them the correct information to access this account showing up on my credit report. XXXX and XXXX are still effected by this. 

I have also been issued a new SSN and the IRS has notice of this issue as it has messed up my taxes for 7 years now. 
Another person with same name birthday is using my info and it seems my old ssn and this new ones credit is linked with the fraud.
Product: Debt collection

Original creditor ( XXXX ) billed the wrong insurance policy with no notice/contact to me however the hospital billed the correct insurance and was paid. I 've provided the collection agency with the correct insurance and had XXXX contact them as well, but the original creditor refused to resubmit bill to insurance for billing. Per XXXX they have to get resubmission from the original creditor. Collection agency told me they would remove this from my credit due to it being no fault of mine but it is still there. I was told by XXXX people at EOS CCA this was being filed for resubmission to the insurance, after speaking with XXXX, I was told they never received it. EOS CCA stated they are not allow to resubmit but file it with the original creditor who is REFUSING to resubmit or take any action to resolve this claim in over a year.
Product: Debt collection

The debt collection agency called and I asked that verification of the original debt and that the debt belonged to me be mailed to my address. I never received anything in the mail.
Product: Credit card or prepaid card

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$32000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Product: Debt collection

On XXXX XXXX I sent a certified letter informing this company that I was a victim of fraud. They never sent me not one piece of information regarding this erroneous account. On XX/XX/2023 I also sent them a Identity theft report and I have still not heard a word from them. I have gone to XXXX XXXX XXXX XXXX several times regarding fraudulent accounts. I also filed a claim with the XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a debt validation request to this company via certified mail that was signed for and received on XX/XX/XXXX and rather than validate the debt I was sent nothing at all. This is a direct violation of U.S. Code 1692g within FDCPA regulation. I have proof of documentation being sent and received without any response that validates or verification that entitles me to this debt within the allotted 30 day timeframe. Please delete this information from my credit file and cease all collection activities immediately, otherwise I will be forced to report this violation of my rights under the FDCPA to the Federal Trade Commission as well as my attorney for legal action.
Product: Credit card or prepaid card

On XX/XX/2018, I filed a CFPB complaint because 5/3 Bank sent out unsolicited blank checks linked to an old credit card account to my old address, which 5/3 then allowed to be fraudulently signed and cashed by the person at that address. 5/3 Bank has told me that they concluded I DID NOT SIGN the courtesy check. After filing my CFPB complaint, I received a letter from the Office of the President on XX/XX/2018 stating that the balance would be changed to {$0.00} and all fees would be waived. 

Fast forward to today, when applying for a mortgage on a new property, the mortgage broker reported that my credit score was poor and cited my 5/3 credit card account. I checked XXXX XXXX and sure enough, it reported an overdue balance of {$390.00} and was more than 120 days past due. I called 5/3 Bank 's customer service on XX/XX/2018 who confirmed that 5/3 has never followed through with what it promised and has been charging me penalties THIS ENTIRE TIME. In addition, 5/3 Bank has refused to reimburse me for my time in dealing with this problem, and the several hundred dollars in damages I've incurred because my lower credit score affected my interest rate on my current home ( purchased in XX/XX/2018 ). 

In addition, this continued problem is affecting my ability to purchase new property now. I simply can not get a good interest rate and I simply can not wait for 5/3 Bank to correct ( or at least tell me they'll correct since they didn't last time ) this. This is unacceptable. 5/3 Bank should be punished for sending unsolicited checks that can be easily stolen and easily cashed, especially when 5/3 Bank can determine AFTER THE FACT, these checks were fraudulently signed. Once that's done, the damage is done and my credit score is ruined.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquires that need to be removed from my credit report : 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  I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Credit card

I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I'm trying to link my XXXX account and they rejected it.
Product: Credit card or prepaid card

I recently received my XXXX XXXX credit card statement issued by Comenity. On there was an interest charge of {$2.00}, My previous statement was paid in full on or before the due date, as has every statement I have ever had from XXXX XXXX. I contacted XXXX XXXX by phone and was first advised there was a television purchase on my account, and I told them there was not. Then I was advised I had purchased tires within the last six months, which I had indeed done, but I reminded them that I had paid that amount in full on the next statement. They then told be there was a promotional plan that recently ended in XX/XX/XXXX, but I told her that did not apply to me. She then told me it was a system issue that should be updated, and that programming was aware of the problem. I AM INFORMING YOU OF THIS PROBLEM SO THAT THE MILLIONS OF XXXX XXXX  CREDIT CARD HOLDERS ARE NOT INCORRECTLY CHARGED FEES THAT THEY SHOULD NOT BE PAYING. Comenity Capital Bank needs to be held accountable for this mistake. Thank you.
Product: Money transfer, virtual currency, or money service

MoneyGram International MoneyGram Gave My Money Away to a Fraudsters. The Receiver never got {$650.00} I sent Him. BREAKING NEWS : I am about to sue MoneyGram, if they do n't get my money right and refunded. On XXXX/XXXX/XXXX, I sent someone a business partner {$650.00} for an application fee. The Receiver never got the money. Someone intercepted the funds with his id or made up id before he did. MoneyGram playing games changing the stories of the victim, witnesses, etc. I am going to put MoneyGram on my Super Blast Blow Up Line. This message is going to be posted everywhere in the world. MoneyGram has admitted they do not have a clue who may have picked up my money for a business partner client for an application fee. 

My Reference Number is : XXXX. My Complaint or Claim Number is : XXXX. 

Working on a Press Release as we speak! MoneyGram with those foreigners working the lines, twisting facts to fit from being liable. What makes it so bad, an attempt was done to cancel the transaction within 1 minute of the order, and MoneyGram refused to STOP the transaction. 

Many weeks later MoneyGram is still not responding to my calls nor emails or Complaints about this matter. ALL I WANT IS A REFUND BACK TO MY CREDIT CARD.
Product: Debt collection

I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/2022. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I called on main financial to let them know I didnt want the additional package they were trying to add to my loan so after said and done, I was told if I dont take the additional package, Im not able to receive the loan I was forced into getting this package I complaint about it and the outcome was its too late. You cant cancel.
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX/XXXX  XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in mid-XX/XX/XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XX/XX/XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #
Product: Credit card or prepaid card

DEAR SIRS C.FP.B DIRECTOR / INVESTIGATOR. 
XXXX XXXX PROVIDED A CREDIT CARD FOR {$600.00} DOLLARS IN XX/XX/XXXX. IN XX/XX/XXXX I WAS UPLOADED THE CREDIT LINE AT $ XXXX WITH PAYMENTS MINIMUM OF {$59.00} ABOVE PREVIOUS BALANCE OF $ XXXX TODAY DAY XX/XX/XXXX RECEIPT LETTER FROM XXXX XXXX THAT THEY WERE TO CHECK MY SCORE IN XXXX  AND GAVE THEM XXXX. SCORE. BASED ON THIS MY CREDIT CARD OF XXXX XXXX  DECREASED AT {$1800.00} INTERESTS PAID DURATE XX/XX/XXXX AND XX/XX/XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed