23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to bring to your attention inaccuracies present on my credit report, specifically related to certain collections accounts that are currently being reported. These inaccuracies are causing significant damage to my creditworthiness and financial well-being. I have thoroughly reviewed my credit reports from all three major credit bureaus, and I have identified several collections accounts that do not accurately reflect my financial history. The inaccuracies include accounts that do not belong to me because the debt collector purchased them, and I have never engaged in any business transactions with the third-party debt collector. 

I am aware that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute and request the removal of inaccurate information from their credit reports. In accordance with this law, I kindly request the following : 1. VERIFICATION OF THE ACCURACY : I request that you investigate and verify the accuracy of the collections accounts listed above. Please provide documented proof of the validity of these accounts, including any contracts, agreements, or other relevant information. 

2. REMOVAL OF INACCURATE COLLECTIONS : If the accuracy of any of the identified collections accounts can not be verified, I request their immediate removal from my credit reports. This action is necessary to ensure the accuracy and fairness of my credit history. 

3. UPDATED CREDIT REPORTS : Once the investigation is completed and any inaccuracies have been corrected, please provide me with updated credit reports reflecting the accurate and amended information. 

I want to emphasize that the accounts identified as belonging to the third-party debt collector were acquired by them and do not have any connection to me. I have never conducted any business transactions with this debt collector, and these accounts do not represent any valid financial obligations on my part. 

I kindly request that you initiate the investigation process as soon as possible and respond within the 30-day time frame mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. Please send all correspondences related to this dispute to my address listed above. I am providing this information to facilitate communication regarding this issue. 

I value the accuracy and integrity of my credit reports and trust that you will conduct a thorough investigation to resolve this matter effectively. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of these inaccuracies on my credit reports. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Vehicle loan or lease

I had a auto loan with Capital One Auto Finance that after 6 years was paid off XX/XX/XXXX. While I made payments past the due dates over the 6 year period I had never made a payment 30 days or more past the due date. I am in lending and have been for more than 30 years, I know the rules for reporting and am very aware of payment reporting requirements. My payment due date was the XXXX of the month. In XXXX I made two payments : one on XX/XX/XXXX for the XXXX payment, and the final payment on XX/XX/XXXX. I recently found out this company reported me 30 days late.. .in XX/XX/XXXX. This is a obvious error. I can not be late for XXXX if the account was paid off in XXXX. Again, I have NEVER been 30 days or more late on this account or any account. I filed a dispute with the company on XX/XX/XXXX including all supporting documentation of payments made, which they actually concurred with me. I just received a letter from them dated XX/XX/XXXX stating their reporting is accurate and no change will be made. It is impossible for me to be late the same month I paid them off, and the same month I made 2 payments. It is an obvious error that is negatively impacting my score at a time I am looking at buying a new home in the coming months. This is an egregious error on their part, and the fact they will not correct it is appalling.
Product: Debt collection

Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Product: Credit card or prepaid card

I initiated a dispute for a transaction that was billed to my account on XX/XX/XXXX in the amount of {$140.00}. The credit card issuer sent me a letter, dated XX/XX/XXXX saying that if I had wanted to continue the dispute, I would need to send a statement saying that I didn't receive the service provided and a brief description of how I tried to resolve the dispute with the merchant. 

I faxed this information ( attached ) to the credit card issuer ( Capital One  ) on XX/XX/XXXX ( fax confirmation attached ). On XX/XX/XXXX, I received a letter ( attached ) from the credit card issuer ( Capital One ) saying that they are unable to assist me further. I am not satisfied with the response from the credit card issuer ( Capital One ) because the merchant ( XXXXCapital One Travel ) in dispute is a company that is directly operated and owned by the credit card issuer ( Capital One ) and I never received the goods or services from this transaction through no fault of my own because the service was cancelled by the operator prematurely without any type of notification to me at all. The credit card issuer has a responsibility to protect the consumer especially when the company in dispute is operated by the credit card issuer and the service was never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from Debt collector that the they requested the item be deleted from my credit report. Equifax removed and then re added the item on my report. Without sending a notice within 5 days which is a violation of the FCRA.
Product: Credit card

went on line on their website to pay. their other amt section is contantly not working. therefore making you have to pay full amount, or smaller amt to continue longer interest paying time.this particular card has a time frame of no interest. then they can charge you all the interest in full if not paid off in given time frame.. can never reach custome service
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my Transunion credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please update and correct the accounts stated below : XXXX - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter explains the problems that I am having with the 3 major Credit Bureaus, TransUnion, XXXX, and XXXX. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed in XX/XX/2020. My billing cycle is the XXXX of the month. The balance was {$4.00} which I paid in XXXX. On XX/XX/XXXX I was given a refund of {$36.00}. When my billing cycle came around and my credit report updated and shows I owe them {$36.00}. Its now XXXX my refund was never issued, my billing statement still says - {$36.00}. I called and ask why my statement isnt saying {$0.00} because its now past the XXXX of XXXX. They should stop reporting that I owe or a late payment will be posted to my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment to 1st Investors Servicing Corporation to pay off my loan in the amount of XXXX. This was the total the website said I owed. My XX/XX/XXXX bill said {$860.00}. So apparently I have an overpayment of {$400.00} that is due to be refunded to me. My bill, the website and customer service balance are all difference amounts. In trying to get the account straight with customer service I was passed around, then their customer service was down, then I called back. This all took place on XX/XX/XXXX. All the while they kept wanting to send my call to " titles '' since my car is now paid off. I spoke with " titles '' and they verified they have absolutely nothing to do with the issuance of my {$400.00} overpayment and they can not request the funds to be released as it is not their department, they handle titles only. Makes sense. 

I spoke with five different people and no one could tell me when I would be getting my overpayment. One person said it would be at least 20 days before released. Unacceptable. Not delivered in 20 days. They were just going to hold on to it. When I said it was unacceptable and what was the reason, they could not give me one. It's " titles ''. Again, titles said they had nothing to do with the release of payment but customer service kept blaming them. The " best '' they could do was to put in a request to have my payment refunded but it probably would not be. Because of titles,,, The title should have nothing to do with my refund. A title should be issued when the account is at XXXX. Mine is at XXXX. I was told no one could issue my refund. Nobody knew what they were doing or what department handled the refund. Literally, I do not know. Even the supervisors. Again they kept blaming " titles '' which " titles '' again, said they have NOTHING to do with billing. I finally had to start refusing to be sent to titles. Listen to the calls. They say they record everything. It is unfair and unethical that 1st Investors Servicing Company is holding over {$400.00} and will not refund the money, nor give me an acceptable answer when it will be or why they are holding it. The title release doesn't make sense. It's a negative balance! A title should be issued at {$0.00} so why won't they refund me?
Product: Debt collection

Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago. 

According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, l have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 
Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 
The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 
These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Experian closed yet another complaint without addressing the issue and once again giving explanations that have nothing to do with the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Product: Debt collection

My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card

I bought a laptop from lenovo on XX/XX/2022 and had some confusion on what card I used. I used the wrong card so I returned the item so I could purchase on my business card. XXXX ( I bought a laptop ) refunded my money and sent multiple confirmations of the refund at my request as well as transaction IDs for the refund, but it never appeared on my card. I included all info in my requests to chase yet they refuse to give me my money back. Since this is a credit card I had to pay it to keep it from accruing interest, but since I returned the item chase essentially stole the money form me.
Product: Debt collection

we receive a letter from a company name Hillcrest Davidson asking for {$1700.00} for a security system we never ask or have one at home they also said have our social securities # and first ask for XXXX XXXX am not XXXX XXXX but i am married with XXXX XXXX my name is XXXX XXXX when i tried to fix these debt they explain me was a contract signed from us we live in these house for more of XXXX almost XXXX never installed or ask for any security system in all we was involved with a Title company with Identity theft and houses + products be issue in our names i explain Hillcrest Davidson and they told me i have to ask for an affidavit when i said to send to me to my email the last associate start to yell and hang up the phone 4 times i call back and 4 times phone was hang up
Product: Debt collection

This debt should have been included in my bankruptcy back in XXXX. This Company is reporting wrong dates This is from XX/XX/XXXX and they are reporting for XX/XX/XXXX which is inaccurate.
Product: Checking or savings account

I had a XXXX dollar fraud charge, tried to get it resolved with the bank. They told me to get bent. It is a very clear fraud charge, i only use my account for groceries beer and gas and this showed up as something completely irregular and its XXXX  I had to bend over. For theis
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Inquiries : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.
Product: Consumer Loan

The company is reporting my account as a bankruptcy. I have contacted them about 4 times over the past year to correct. Someone always says they will correct but it never happens.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found an account that is not mine. Please remove this fraudulent account from my report as it is preventing me from securing credit. I do not recognize this account. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened Date : XX/XX/year> Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I have disputed an account on my XXXX report well over 10 times online ( recorded the process with a screen recorder ) and it says unless I have new documents they will not investigate it because they have investigated it before. The problem is there is still missing and innacurate information on my report for this account. The account I'm referencing creditors name is MIDLAND FUNDING and the account number is XXXX. 
First it is missing 6 payment history remarks ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Second it is missing a high balance. 
Third I don't know how it is possible for an account gaining intrest but the high balance reported is higher than ALL of the balance history data back to XXXX. This is just not mathematically possible. 
Lastly is is missing all balance history data before XXXX
Product: Checking or savings account

I was the victim of fraud while trying to purchase concert tickets in the cost of $ XXXX.Chase said they had  no protections over this. I made the transaction with their service and they should not just sit by not assist when their customers use their banks services to make the payment.