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

This is a follow up to seek another assistance from you to solve this matter. Despite my repeated attempts to rectify these inaccuracies with the respective financial institutions and credit reporting agencies, the errors remain unresolved. Specifically, I need help with the removal of incorrect late closed accounts and charge-off accounts from my credit report. My credit report includes charge-off accounts that are incorrectly reported. I have provided evidence to the financial institutions demonstrating that these accounts should not be classified as charge-offs. My attempts to resolve these issues directly with the institutions and through the credit reporting agencies have been unsuccessful, and the erroneous charge-offs remain on my credit report. The ongoing presence of these inaccuracies on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's intervention to ensure that these matters are resolved promptly and that my credit report accurately reflects my credit history. XXXX. 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 XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 
XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO EXPERIAN, AND XXXX, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my last complaint # XXXX against EQUIFAX .The company continues to report inaccurate information in my credit report that does not finally DELETE XXXX from my EQUIFAX credit report. They removed that account from my report but put it back again ( see attached copy from XXXX XXXX site ) Clearly it is seen that they are not seriously checking the information to finally delete the XXXX account from my credit report.
Product: Credit reporting or other personal consumer reports

I recently learned that my information was used for opening an account and few inquires as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got admitted into the hospital of XXXX XXXX  in XXXX Nv. When the insurance paid my portion of the bill the was a remaining balance to be Paid the original balance was {$1400.00} and I was making payments for 3 months and they stopped billing me and sent it to collections with my notice and ruined my credit rating I had a sore of XXXX and now its XXXX from one occurrence and no notice it was going to collections so what I would like to happen to finishing paying my bill and have the negative credit score on my file and to get my score back. Americollect should have not done this it shows I have a balance of {$790.00} but they didnt give me the opportunity to finish paying it back, what they did was dishonest!!!!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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: Bank account or service

The Bank of America approved a check that I deposited into my bank account on XXXX XXXX, 2015. I waited for the check to clear and then made an electronic transfer into another account at the Bank of America for the purchase of a computer and software. Immediately after I made the deposit into the other account the bank told me the check was fraudulent and I was responsible for paying back the money - even though they had they money from the check in another account at their bank. I explained to them what had happened - which is in a statement attached to this website- and they refused to even take a fraud report. I believe the Bank of America is guilty of money laundering and now they have placed my name on a banking blacklist so I can not open an account at any other bank. 
Please see attached statement to get the full details concerning this event. I submitted one claim already and did not hear anything back and I can not find the reference number so I am filinf another complaint about the same incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$720.00} XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were some unpaid last bill ( {$320.00} ) that I was not aware of. XXXX XXXX account closed in XXXX and I could not get any notification from them since thenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2021 and I finalized my new residential place and changed my Driver license in XXXX. 

XXXX XXXX and Amsher sent notice to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not receive those letters. They filed a collection in XXXX, which hurt my credit record for XXXX and XXXX. I noticed the drop of my credit report and found out what's happened via XXXX. I just called Amsher Collection and paid my debt immediately. Now the balance is XXXX. 

This collection is caused by wrong address record. I did not intent to delay the payment. I ask the credit bureau to delete this record.
Product: Credit card or prepaid card

I saw on my credit card statement In XX/XX/2020 XXXX billed me {$1.00} and they billed me {$2.00} and then I saw several months billed at XXXX each. I did not authorize or used their service. I have six months of charges on my credit card totaling {$230.00}. Since i did not authorize these charges and did not use their product or service and was unaware that I had subscribed or ordered it, I disputed the charges. Capital One credited my account and cancelled the card and paid off my balance. I thought it was taken care of until I get a late statement and finance and late fees on my final bill. Capital One placed XXXX in addition to late fees on my final bill. 

I did an email search on XXXX  and I saw a welcome email that said I subscribed to a five day trial, The email was dated XX/XX/XXXX, and on XX/XX/XXXX I simply replied to the email to cancel any subscription. I forgot about it as I never authorized, used or was aware that I had a subscription until I saw my XXXX Capital One bill. 

The XXXX XXXX XXXX gives this company an " F '' and the internet is full of reviews and scam alerts. 

I did not authorize these charges, use their service or was aware of my relationship with this company. Please help me. I am retired senior citizen on a small fixed income and can not afford this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXXXXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX  account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX  account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX threatened to sue me via Schachter Portnoy. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Columbia Debt Recovery LLC DBA Genesis XXXX XXXX XXXX XXXX, WA. XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear Renew One : I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number. 
XXXX. Remove account # XXXX from all Credit Bureaus Data Base immediately. 
XXXX. Remove address associated with account Number # XXXX Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights.

Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have disputed this debt numerous times with no removal from XXXX. This account was from my ex wife child and not mine. I was told through XXXX that Credit Consulting Service said it was mine. The check written to the original debtor even shows someones name, not mine. Account # XXXX. This account was also granted to my ex through the divorce court. I have sent all documents to XXXX and the creditor and have had no luck. 
Company : CCS Date : XX/XX/2013 Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX XXXX XX/XX/year>2024, XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>2024 Who are these companies? I have no idea, I never consented or authorized them to pull my credit!
Product: Debt collection

I disputed a charge on my XXXX Chase credit card, because the merchant sent me an inferior product and when I attempted to return the item according to the terms I was told at purchase i.e., free return shipping, they refused to give me a return authorization form. 

Also, there are numerous reports against this company, XXXX. I have told XXXX Chase Visa that I have no intention of paying for the item, but they continue to add finance charges on the statement each month. I have ceased using my XXXX Chase Visa because they refused to respect me as a good customer. 

Just yesterday I received an invitation to extend my credit line with them because, as the letter indicated, I was a good customer. I have been a good customer of Chase and despise how I have been treated in this manner. I called XXXX Chase Visa and no one would transfer me to the letter writer. 

I want XXXX Chase Visa to cease sending me statements with XXXX and finance charges. I have repeatedly told XXXX Chase Visa that I will NOT now or in the FUTURE pay for this faulty item sold under false pretenses. 

Here is a list of some of the complaints against XXXX : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to you to put a Security Freeze on my XXXX credit report, under the Fair Credit Reporting Act you are required to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below MY FULL NAME : XXXX XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX MY PHONE NUMBER:XXXX EMAIL XXXX After this Security Freeze has been filed, please send me written confirmation and PIN to the address listed above. Your immediate attention to this matter is appreciated, thank you
Product: Checking or savings account

I had multiple transactions for XXXX XXXX through my cash app account that were not authorized cash app refused to refund or reverse the transactions. Had an unauthorized money transfer to a person who refused to return the funds tried to report it as fraudulent but cash app refused to assist me. XXXX tried for almost XXXX years even after requesting a new debit card charges still were approved but not by me totaling over {$270.00}. The unauthorized money transfer of {$150.00} that I reported as fraudulent also was not returned. Cash app refused to assist me with any of these fraudulent charges.
Product: Credit card or prepaid card

I paid a moving company to move my furniture, the owner broke furniture, he has no insurance ( but had sent a fake insurance certificate of liability to make it seem like he had insurance ) ( this screams insurance fraud ) he will not replace the bed post he broke. I disputed with American Express but he lied several times so they sided with him ... ..I asked amex what would it take to prove he owes me the money and they said if I took him to court and won a judgment then they would side with me and I would win the dispute and he could no longer appeal etc. I took him to court the owner wanted to mediate and so he agreed IN COURT that he would pay me the {$750.00} ( I have the consent agreement he signed in court that day ) but he has yet to pay me and amex said since I now has court documents saying he agreed to pay I have to get my money from him some other way and that I can no longer dispute the charge. I have had this account with American Express for over 20 years.
Product: Checking or savings account

I opened my account in 2016. I specifically said I didn't want over draft & it stills shows I don't have over draft. Now every month since I've been charged over draft fees for something like a dollar here or a dollar there. There has been a few months that it's been {$300.00} plus the over draft fees. I tried at one time to get over draft & it's never been added. How come when I need an over draft I can't get it but I get charged every month?!
Product: Consumer Loan

The late fees on my Santander account are not accurate and they should be removed off my account and credit bureaus.