23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. 
I 've tried to call and talk to thesecompany but never have any luck.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXXXXXX XXXX XXXX**** - {$10.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have signed up credit monitoring, my experian credit report can not be pulled as well as my score, i was able to obtain  XXXX  and  XXXX , the information showing when i tried to pull experian states fico score not available due to limited information or a lender has reported you as deceased, i want experian to correct the accuracy of the information on my personal data and information so i can obtain my report and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$5900.00}, {$0.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my aaccount, send me an updated and accurate statement, and close the account. I also request tuat you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 

Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have XXXX  days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- XXXX. XXXX XXXX with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with XXXX  of {$12000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with XXXX  of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX with balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account. 
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!! 
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!! 
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!
Product: Credit card

I submitted a claim on XX/XX/year> for capital one to look into why XXXX XXXX received my XXXX mile signing bonus. They called me back with the result of the claim on XX/XX/XXXX saying that they can not honor this promotion despite their customer representative confirming on XX/XX/year> that Ive met the signing bonus limit on a recorded line. The credit card for this claim was the personal card for the XXXX XXXX.
Product: Student loan

I was referred to this company to help with my student loans to not go into default. Ameritech Financial was charging me every month with the agreement to pay my student loans monthly. I was made aware that my student loans where not being paid and my loans were in jeopardy of defaulting. My income tax refund were taken and I was not eligible for any other assistance.
Product: Student loan

My son attended XXXX XXXX and received private loans from Wells Fargo in addition to Federal loans. Wells Fargo carries the majority of his loans. My complaint is the interest rates these banks charge. I am the co-signer on these loans as well. I believe in paying your student loans, however, I have a problem when I am seeing interest rates of 10.74 %, 6.991 %, 6.490 %, and even 4.490 %. The banks are making way too much money on these student loans and make no attempt to lower these interest rates. I understand banks having to make money, but really??? 10.74 % interest rate!! That seems like gauging to me. I am working with my son now to get these all refinanced into XXXX loan with a better interest rate, but again, the interest that he has been charged over the past 4 years is outrages.
Product: Debt collection

XXXX XXXX, XXXX is a collection agency based out of XXXX, Washington. I have received multiple letters from XXXX  whos creditor is PayPal , Inc . The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XX/XX/2019. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used PayPal. I do not have a PayPal account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted XXXX to resolve this matter however, I have not been successful. I respectfully request that an inquiry into XXXX be launched and any collection proceeding against me be stopped immediately.
Product: Debt collection

I have informed this company that I do not have any dealings with them. I need received notifications on this debt. I sent them my updated address and verified that they are not licensed to collect in my state. They have failed to stop collection activity and have not responded to my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  issued a VISA Credit Card through XXXX XXXX to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep XXXX satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear, XXXX XXXX am writing to request an investigation of the following information on my XXXX credit report : Dispute 1 : The charge-off of an obligation with SANTANDER CONSUMER USA is incorrect . The following is the identifying information of the error : Account # XXXX Date of incorrect reporting : XX/XX/XXXX Explanation of my dispute : The account is reported on my credit report as Charged off as bad debt Profit and loss write-off, by law I should have been provided a 1099 c due to the account being written off on SANTANDER CONSUMER USA taxes.

Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC at XXXX. XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. I have asked Portfolio Recovery Associates for proof of the debt in the way of the original documentation showing my signature or that I agreed to this credit card debt. I have yet to receive a response verifying the information asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$590.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information from my credit report 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 08 XXXX XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Credit reporting

I checked my Transunion report and it indicated that I had closed a secured credit card account with XXXX XXXX on XX/XX/XXXX. I have not applied for a secured card with them since XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to inquire about when I had re-opened the account. The XXXX told me that no account had been opened and that she would send me a letter stating the account had been closed XX/XX/XXXX. Two weeks later I received the letter indicating that my account had been closed XX/XX/XXXX. Checked my credit report ; date account was closed changed from XX/XX/XXXX to XX/XX/XXXX. I called XXXX again and requested that they provide me with the original application after XX/XX/XXXX. XXXX informed there was no application and he would submit a dispute. I requested a dispute case number ; rep informed me there was none. Last week I received a letter XXXX indicating that my dispute had been denied. I called XXXX again and requested, once again, the original secureed credit card application. Rep informed me that there was no account opened and he did n't show any accounts closed after XX/XX/XXXX. Rep informed me he would mail out letter indicating account was closed XX/XX/XXXX. Rep stated he was unable to provide me with letter stating that no account was ever opened after XX/XX/XXXX. I requested a letter to submit to Transunion stating that XXXX system does not show any account closed on XX/XX/XXXX or XX/XX/XXXX ; Rep was not able to provide me with letter. Submitted dispute to Transunion XX/XX/XXXX after XXXX XXXX denied my dispute to remove supposed closed account on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

JPMCB card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

JPMCB has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by JPMCB with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit
Product: Debt collection

I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form XXXX for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XX/XX/XXXX and XX/XX/XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on XXXX and XXXX XXXX listed as CURRENT. 
The Payment Status for this account on Experian is listed as LATE 90 DAYS. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a written account dispute claim with XXXX  that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX Visa/Midland Funding, LLC debt  collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from XXXX  and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with XXXX  to see what the results, if any, had been provided. According to the XXXX  dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, XXXX, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect XXXX, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.