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

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
Product: Mortgage

During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( XXXX/schwab ) loan. We called XXXX to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. Our property remains in a disaster affected area but XXXX   XXXX  has reported a 30 day late payment twice during this time. We ask XXXX  to rectify this as soon as possible. In addition, this is the second time we ask XXXX  to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried contacting Equifax about rent recovery on my credit report. Along with US Department of education loans from 2011 that should be off of my credit report. No one will call you back no one will respond to any type of contacts. I have submitted paperwork stating that bills have been paid off. Due to XXXX actions of VPs once again this is why XXXX peoples credit is not correct. The cfpb needs to start looking into all the XXXX actions of credit report companies.
Product: Student loan

This loan was incurred while I was student at the now defunct XXXX XXXX XXXX located at XXXX, CA. As you are aware the school has been closed due to fraudulent action by the said school and lost its accreditation.My diploma that I received is now worthless and could not even be transferred to another school since they are not being honored. My issue that I need to be resolved is why are they still collecting payment of the loan despite the fact that the school has been closed and shut down by the government and the diploma that I received is worthless and of no value. I could not even use it to apply for a job since employer knows that the school is no longer in existence.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Debt collection

I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.
Product: Debt collection

XXXX XXXX has not been collecting {$59.00} a month from me. I have not been a patient there for more than 2 years, XXXX XXXX was.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
THE COMPANY HAS VIOLATED THE FCRA XXXX5USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit card

Applied for the LL Bean credit card XX/XX/XXXX and was denied ( just saw denial now as it was in SPAM ). Requested a copy of my credit report to confirm all was fine and it was. I have had credit and many credit cards since XXXX and have an excellent credit score with no late payments or outstanding balances. They said they were unable to approve due to " insufficient credit experience '' - which is odd. And there is no way to request a review with CitiBank, so not sure how to dispute.
Product: Credit reporting or other personal consumer reports

I disputed a couple of accounts in my XXXX report last year and still nothing happened didnt received any paper work and disputed accounts still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It says on my credit report that on XX/XX/2021 that I applied for a USBank Credit card but I never even applied for it. I wasn't looking for a credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Checking or savings account

I filed a formal complaint with Chase Bank regarding a fraudulent transaction on my business account. Initially, I was instructed to sign a form to initiate an investigation, but no further guidance was provided. Chase Bank initially credited my account with {$9000.00} to cover the reported fraud. However, after a month, they reversed this credit, causing significant concern about meeting payroll obligations. 

Upon visiting a Chase Bank branch, I was informed that I needed to upload all relevant documents pertaining to the fraud for a proper investigation. It appeared that Chase Bank had conducted their initial investigation without sufficient evidence. I promptly uploaded all necessary documentation and contacted XXXX XXXX, the receiving institution, for further assistance. 

After a thorough review, XXXXXXXX XXXX  advised me to request that Chase Bank issue a late return request to facilitate the recovery of my funds. Despite this recommendation and the provision of additional documentation, Chase Bank has declined to review the uploaded materials or reopen my case. This situation has left me in a challenging position, unable to resolve the fraudulent activity on my business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX  Data breach. I demand to remove Asap those Accounts or I will file a litigation.
Product: Credit reporting or other personal consumer reports

Opened 2 new accounts XXXX XXXX XXXX XXXX. Deposited over ) XXXX. Bank representative offered me credit cardXXXX XXXX. Only gave me {$2500.00} credit line. Suggested I appeal. Having necessary tub/shower conversion due to XXXX XXXX XXXX. Cost {$6800.00}. 
I have XXXX investment accounts and 3 pensions and an annuity. Received letter stating Experian said credit only XXXX!!! Could useXXXX  product premium for {$9.00} XXXX  and purchase at least 2 of their credit cards which would return credit score to XXXX! 
Is this a bribe or just a scam? Also, Elder Abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed via certified mail of several documents on XX/XX/XXXX to TransUnion disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX Tennessee Bankruptcy Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by TransUnion stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from TransUnion, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from TransUnion was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to request Experian to remove XXXX XXXX XXXX as its not my account. Its now over the 30 days and still no response. Please have them remove this account, its not mine.
Product: Mortgage

The XXXX  XXXX XXXX XXXX took a payment from me in XX/XX/year> and tried to take it from another checking account that should have never been on my account as a saved checking account. When the account holder caught this, it was reported back to the company, they then sent me an insufficient check fee when the XXXX  XXXX made the error after this, they would not answer phone calls or email messages. the state of Florida can confirm this XXXX XXXX ( XXXX and email XXXX ) was in communication with the company since XX/XX/year> and this now XXXX they told her they was correcting this when in fact they was adding charges to my account as if I never paid the XXXX in XX/XX/year> and since I put in a complaint hostile retaliation has been there response they have put me in foreclosure after their error I have all my emails and voice calls as well as the XXXX who did this apologizing for it and telling me he would correct this and then he didn't correct it they charged me XXXX the same amount I paid in payments and principle payments in XX/XX/year>. The XXXX  XXXX XXXX will be reported to the Florida XXXX for representing and reporting fraudulent information what happened with the payment in XX/XX/year>? And why was it applied and then taken off as if I never paid it to cover up their XXXX who took the payment and tried to take it from another account and put my name on the account as if it was my checking account? can the XXXX  explain this also?
Product: Credit card

The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. I contacted them about two months ago and I was supposed to hear back. To date, I have not received anything other than an affidavit for fraudulent transactions. It was not completed because this is not the case. All charges were authorized and made by me. Also, after updating my address, they keep sending correspondence to the old address which is where the above was mailed. I opened the account to establish and maintain a good credit history and because their incentives appealed to me. This account is valid and I 've made payments on it as agreed over a period of time, close to two ( 2 ) years. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the account was opened and confirmed which is why the account was opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX has listed on my file foreclosure was started the month I XXXX my home. They refuse to remove the foreclosure because they hired a law firm XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted the firm and they did not process anything through court. They dismissed the case. I am currently trying to get a XXXX XXXX but XXXX refusal to remove the foreclosure is making it impossible. Even the law firm mentioned stated they should not have foreclosure status on my account or credit report. XXXX references the fair consumer act yet doesnt uphold it or provide documentation supporting their claims of foreclosure court proceedings.
Product: Credit card or prepaid card

I filed a dispute on XX/XX/2022 with Capital One credit card for a company ( XXXX ) that sent the wrong sized items ( see original order receipt and photos of products in error ). After contacting XXXX several times ( see email responses attached and XX/XX/2022 letter to Capital One explaining the situation ) refused to refund the order back onto my Capital One credit card. Instead, XXXX sent me a store credit voucher on Wednesday, XX/XX/2022. Capital One investigated the dispute with the company and decided in favor with XXXX on XX/XX/2022. Capital One stated that XXXX fulfilled their order in which goods were as described and received in good condition. Capital One is requesting that I pay the {$64.00} on my credit card.
Product: Credit reporting or other personal consumer reports

First Horizon has falsely claimed to repossess a vehicle from me and claims a balance of {$2900.00} was written off and closed. Since XXXX  this false information has impacted my credit significantly in a negative manner. Ive shown proof of this company over charging the monthly car payment since they took over the original bank that financed the vehicle ( XXXX XXXX XXXX  ). Ive never been late on a payment and my vehicle was never repossessed. First Horizon claims to have zero statements or documentation of proving that their information is correct yet refuses to correct information reported on my credit.
Product: Debt collection

On Monday XX/XX/XXXX, I contacted Alliance One by phone in regards to an account that was issued to them from XXXX XXXX Municipal Court ( XXXX ) in XX/XX/XXXX for {$470.00} which they said had now accumulated to well past {$1000.00} due to interest fees. I notified them that I was totally unaware of the existence of this debt and that I would like to settle the account out or make payments and asked how much they would be willing to settle for. I was then told that there are other accounts in the office and that the total amount was well over {$5000.00} and that they would only speak to me about the entire amount. I notified them that I dispute any other amounts that they claim I owe and that I would like to speak to a supervisor to make payments for this specific account from XXXX XXXX Municipal Court only. I was then told in regards to me paying that the whole amount ( $ 5000.00+ ) or no amount would be accepted or negotiated therefore they were denying to receive my payment. I asked to speak to a supervisor and was placed on hold and then without warning, was transferred to a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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