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

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : TRANSUNION Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. TransUnion and XXXX report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : TransUnion and XXXX indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Payday loan

Just got another call from a " XXXX XXXX '' from an UNAVAILABLE phone #, who said he was a XXXX XXXX Process Server trying to let me know he was coming to my work and/or my home to serve me a subpoena. He said the party that wants me in court is EZCorp and to call them at XXXX to stop it. I told him I had never heard of someone getting a heads up call for a subpoena and asked if he actually worked XXXX and he said yes. Well, I called the # and got a " XXXX XXXX '' with verification who said this was for a lawsuit from a loan they say I got on XXXX XXXX, 2010 ( I did not get XXXX then, possibly a year to 6 months before but I know for sure I did not get XXXX during that time or since that time. Either way they said they were in contact with a list of people as references, My father, my brother, to name a few, to get this handled and have been unsuccessful. I was transferred to a female named XXXX and then back over to a XXXX. He was giving me my person information including last XXXX of social and my entire drivers license #. I told him I did n't recognize EZCorp as a loan, and especially on that date. And he tried to say I was lying because someone went in there with my ID and got the loan and now I supposedly owe thousands and they are going to have my drivers license suspended and he repeated my actual drivers license # off to me. I told him I did n't think they were legit and I was not paying for something I did n't sign up for. He said he would see me in court so I hung up. I did n't even think to tell him that the State of Texas statue of limitations on debt is 4 years, which this would be past then for sure. This is n't the first time I have heard of this from EZCorp people telling me this and I keep telling them to send me proof and they tell me to quit playing games and that they know what " I did ''. Even still, I google searched this found the CFPB reached a settlement with them for saying these same types of statements. I would have thought with the settlement, they would stop but it is still continuing. I also was n't contacted to sign up on the plaintiffs with CFPB so why would this EZCorp still be contacting me?
Product: Debt collection

XXXX XXXX XXXX Attorney at Law has been making attempts via phone and mail to collect a debt for XXXX XXXX XXXX in the amount or {$2000.00}. In researching this laboratory I discovered this laboratory is in bankruptcy proceedings and several collection agency 's are attempting to collect for debts that are without merit and unverifiable. I feel as though my husband and I have become a target of these predatory tactics and I wish for this to stop. I do not owe any laboratory any amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXXXXXX XXXX appeared on my XXXX Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted XXXX to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry XXXX XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXXXXXX XXXX  in order to get the hard inquiry removed from my credit report. I then contacted XXXXXXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my XXXX  credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXXXXXX XXXX could do, as no information was available at that time. I requested credit freezes with XXXX XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXXXXXX XXXX again on XX/XX/2020 at XXXX XXXX XXXX XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXXXXXX XXXX XXXX lending partner, Upstart, and was subsequently connected to Upstart at XXXX XXXX XXXX XXXX. As I write this, I have been on hold with Upstart for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither Upstart nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and Upstart and XXXXXXXX XXXX  are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.
Product: Checking or savings account

I just started banking with Chime I used thier pay any one feature had funds sent to a contact in my phone they never received the transfer off XXXX I called them and they said that that person had a chime account before on the website it says the recipient can receive money via XXXX XXXX XXXX etc. That person never recieved a conformation text saying I sent the money. He no longer has a chime acct and wanted the money to go to his active checking acct with XXXX XXXX XXXX was never given an option on how he wanted his funds recieved on top of that there stating it going to take 45 days to dispute the transaction not fair when your not giving people the option on how they want there money to go now im out off XXXX I had to pay this person with more of my money that I dont have its very misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Payday loan, title loan, personal loan, or advance loan

We paid off our car loan from Capital XXXX and they claim to have sent out our car title via the mail at the end of XXXX. We waited XXXX weeks and contacted them as we had yet to receive our title. They assured me they would send out a lien since the title had not arrived. We waited XXXX more weeks. We called back and they claimed we had not called them about the title not arriving. They once again assured us they would send us a lien for the car and overnight it to us via XXXX. They printed the label a week ago and have not sent it out. It's been XXXX months and we have not received our car title or a lien.
Product: Credit card

I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. 
-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. 
On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WF CRD SVC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that WF CRD SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I received a letter in this past XXXX of 2024 from a company named Williams & Fudge Inc. that said that they where intended to collect a student debt I owed to the XXXX XXXX XXXX. They said that the amount I owed them was {$15000.00}. First of all I am currently enrolled as a XXXX XXXX and because of this reason they shouldn't be able to collect any debt from me until 6 moths after I graduate. Also I want to dispute the amount they say I owe them since is wrong and want to know the details of original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Experian credit report I see that there is collection charges from the same vendor and same collection agency six times. Just last year I received my social security card and work authorization card. I have no recollection of these reported collections. 

Vendor : XXXX XXXX XXXX XXXXXXXX Credit bureau : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IN XXXX Charges : {$320.00} XXXX {$250.00} XXXX {$320.00} Date : XX/XX/2021 {$350.00} Date : XX/XX/2021 {$220.00} Date : XX/XX/2021 {$270.00} Date : XX/XX/2021 Please advise on how I can have this removed from my credit report. Thank you, XXXX bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number: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: Debt collection

i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX XXXX Finance XXXX XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX 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: Debt collection

I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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: Debt collection

In XXXX I was sued by LVNV funding. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection has been reported against me by CBE Group -Former on behalf of XXXX XXXX XXXX This reported collection is incorrect. First, I have never been a customer of XXXX XXXX. Second, the report shows an opening date for this collection shows as XX/XX/XXXX and makes a comment that it was affected by a natural disaster. I am not sure what that means, but I have requested documentation to prove this is my debt since it was first reported by CBE in XXXX. I disputed this account in XX/XX/XXXX, requesting account documents to prove it mine. Those were never received. 

The account was transferred to XXXX XXXX XXXX  who reported it again, I disputed for the above reason and XXXX  removed it from my report in XX/XX/XXXX. Now CBE Group Former reports it again. This time with an open date of XX/XX/XXXX. 
Throughout this repeated dispute, I requested account documents proving this debt is mine, I have received nothing. Again, I have never been a customer of XXXX XXXX. 
Account documents should be provided to me that show clearly that I signed for whatever service this relates to as well as any account history ledgers that prove there was an actual delinquency. If that cant be done, this collection should be totally removed from my credit report permanently.
Product: Debt collection

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
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 ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; CPS XX/XX/2022.
Product: Debt collection

I have been receiving text messages, email and phone calls from True Accord. I spoke with someone in that company once and requested that correspondence to me should be written and mailed to my address. I like to have physical document rather than call and email. .I have no recollection of any loan with this company or whoever they are representing. I demand a written letter and validating evidences from the company.. I do not want email or text messages from this company henceforth
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX