23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XX/XX/year> XXXX XXXX Dear Sir/Madam, I am writing to formally dispute information on my credit report regarding the furnishing or obtaining of my personal information. After reviewing my credit file, I have noticed that certain information has been reported without my consent.

Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I have the right to ensure that my personal and financial information is only provided to entities that have received my written consent. As of this date, I have never provided such consent for the furnishing or obtaining of my personal information by [ Name of Creditor/Agency that reported the information ]. Therefore, I request that you investigate this matter in accordance with the law.

Specifically, I am disputing the inclusion of [ describe the disputed item ( s ) or the account details in question ], which appears to have been reported without my prior authorization.

Please provide me with a written explanation detailing the information furnished or obtained regarding this matter. If you are unable to provide proof of my consent, I request that you immediately remove this information from my credit report.

Additionally, I would appreciate a prompt response to this dispute, as outlined by the Fair Credit Reporting Act. I expect you to complete your investigation within 30 days from the receipt of this letter and notify me of the results. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Social Security # XXXX Date of birth : XX/XX/year> XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handled by TD Financing. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment DateXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Checking Payment Returned Late fee AGAIN applied but so far as of XX/XX/scrub>XXXX XXXX XXXX, unable to reach by phone now consisting of 4 days trying. 

When I've called in during the past week, their automated system states XXXX payment of {$130.00}. received and no further payment is due now. 

This is impacting my credit score. 

XXXX XXXX
Product: Debt collection

4 accounts with Capital One were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed Capital One and the collection companies that the amount claimed was not accurate. Capital One refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, Capital One has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.
Product: Student loan

I reached out to MOHELA on XX/XX/2023 to apply for a standard 20 yr repayment plan. I was told my application would take 7-10 business days to process. Two months and several phone calls later ( after very long wait times ) my application is still " in process '' and now the bill that was issued is incorrect. It shouldn't take 2 months to process a standard repayment plan application. MOHELA is paid to service federal student loans and they are not doing their job. I shouldn't have to endure horrible customer service and the other financial consequences, for a loan servicer 's poor planning and preparation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice some inaccurate items on it that were affecting my livelihood from obtain a home, so on XXXX XXXX,2020 i sent transunion a dispute letter about the incomplete and inaccurate accounts that they are reporting on my credit. i also mail it certified on XXXX XXXX,2020 confirmation number is XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Tuesday XX/XX/22 Received a transfer into Venmo account. 

They subsequently froze my account and I couldnt do anything with it. They refused to tell me why it was frozen. 

I had to get through a chat and 2 people on the phone before they said that they emailed me. 

The email was well after the deposit. 

They are refusing to cooperate and will not even return the money to the sender. 

I have also contact legal services for consumer fraud if it needs to escalete.
Product: Credit reporting or other personal consumer reports

I was on vacation in XXXX on XX/XX/XXXX from XX/XX/XXXX, all these inquiries are made in America. I don't recognize these inquiries.
Product: Credit card or prepaid card

I have had a credit card ( XXXX XXXX XXXX Account ) that was associated with XXXX  XXXX XXXX. The card was apparently sold to Comenity ( according to email I received ). I never received the replacement card and I saw my credit score drop by over 70 points. I eventually got a credit card statement from Comenity ( with a positive balance of ~ {$100.00} ), which included a phone number to call. I called them three times to tell them that I never received the credit card. On the third call, I told them that the card must be lost in the mail and that they should issue a replacement and XXXX  it to me. Comenity agreed and told me I would get the replacement in 3-5 days. Well, it did not arrive in that time period, so I called the company again today about the missing card, and they once again said to just wait for it to arrive. 

I never wanted to business with this company, and I certainly did not agree to a new credit card ( as I did not want my credit score to go down ). 

I want to cancel this card entirely now, but I don't want my credit score dinged again. 

What are my options?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my XXXX XXXXl account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXXXXXX XXXX XXXX XXXXXXXX - {$5800.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Bank account or service

I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me "bounce"
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another "executive" complaint line
which no one answered. On the 8th visit I encountered a new face who
said "return the merchandise and we will try to fix things". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits
Product: Credit card or prepaid card

Got a call from First Bank Card 's ( 1st National Bank of Omaha ) fraud department asking if one of my employees cards was trying to be used ... XXXX I went online and notice that mine and my employees cards had been shut off - I called the regular number on the card XXXX ... he said someone tried to use my card on XXXX ( not my employees that the other person called about-but mine ). This card has not been in circulation or had a purchase for almost 2 years. I asked him how ... he said must have been someone when I was walking around blah blah.. The card has been locked up in the house for 2 years ... I said they must have been hacked ... he said no.. it must have been gotten another way. Then he pulls up my employees card and his also had an XXXX attempted purchase.. this card has been inactive and locked up for 3 years. 
It's obvious someone has hacked into 1st National Bank of Omaha ... no other way they could have gotten both of the credit cards info and tried charging at the exact same place at the exact same time. 
They are trying to cover it up and I have no idea how much of my information is out there now. This is a problem that they will not fess up to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Capital one reported 2 of  my accounts negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and instead of removing the negative mark on my payment history they changed the status update from XX/XX/XXXX to XX/XX/XXXX on one and XX/XX/XXXX on the other. 

I filed a dispute with Capital One directly as well and they state that they were reporting correctly. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX or XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting payment history on any months where there was no late payment made should be removed. 

I am attaching a copy of my credit report from XXXX to show what I mean by negative payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired ASAP. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX  # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX  # XXXX. 
Has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681B- PERMISSIBLE PURPOSE I am demanding that I be provided with the written permission that I provided for negative items to be on my credit report and or other grounds under statue for Negative items such as Chime account or the alleged XXXX XXXX XXXX, with my consent or verification, If this written permission can not be furnished, I am now, demanding that all pertinent negative information that has not been verified of, or given my express permission to be removed immediately ; or face liability for further infringing of my rights and be help accountable under FCRA stature. These continuous adjustments and mismanagement of my credit report has caused me loss of points and impact towards my credit history and report. Today I lost 5 points because of these inaccurate and malicious alterations to my credit file without my being made aware and or my express permission ; as these changes were not based on a permissible purpose, other than to try and delay mid investigation of my disputes on above accounts and other complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but   XXXX   will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge XXXX????
Product: Debt collection

On XXXX XXXX  I began receiving text messages from a company who described themselves as XXXX, debt collector. They included a reference to an account number and told me I had a balance of {$270.00}. 

It didn't seem credible, so I ignored it. Then on XX/XX/XXXX i received the same text again. Within the last week, the texts started again on XXXX XXXX XXXX XXXX  and today, XX/XX/XXXX. 

They included a phone number XXXX as well as an email address of paycapitalnow.com I googled both but couldn't tell for sure whether it was real. I felt hesitant to reach out directly so first contacted CFPB for advice. They gave me useful info, so I called the number. The person who answered pretended to be a debt collection company but I asked for their license number and he immediately hung up. This makes me feel pretty certain it's a scam. It seems like they're trying to pretend to be another company that is legit.