23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting act XXXX Account # XXXXXXXX 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

This agency has called me multiple times trying to get me to verify my identity claiming that I owe them a debt when I do not. They sent me 2 texts to my cell phone and I told them that I refuse to pay. I demand that this agency cease all communication and collection efforts immediately or I will seek legal action.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from Collection Bureau of America/XXXX XXXXXXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$460.00} does not relate to any transaction ( XXXX ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX XXXX XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Collection Bureau of AmericaXXXX XXXX XXXX XXXX XXXX individually and have not received any reply back
Product: Credit reporting or other personal consumer reports

I'm worried about the inclusion of this late payment, as I've consistently paid on time. Please address this mistake by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit card or prepaid card

I have contacted American Express on numerous occasions to informed American Express representatives that Im a victim of identity theft and I never applied for an American Express credit card account. Yet, lAmerican Express continues to hold me liable for fraudulent transactions of {$12000.00} on American Express account ending in # : XXXX. I contacted my 2 U.S. Senators of Arizona. I got in contact with U.S. Senator XXXX XXXX and XXXX XXXX, and Senator XXXX and Senator XXXX called me back and informed me they will look into the matter for me, contact American Express and have American Express delete the fraudulent account, charges and my personal information from their database and possibly call senate hearings, because they have received similar complaints about American Express from other constituents in their district.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!
Product: Checking or savings account

Chime is suspicious of me for receiving unemployment from Michigan when I currently live in XXXX. Theyre asking for me to verify how I qualified when i simply called in and gave the unemployment office my employer ID and social and verified my residents. Ive sent them my approval letters from the state of XXXX  and theyre refusing. Please assist me in getting them to actively investigate by calling the unemployment office and release my funds so to stop playing XXXX with financially vulnerable people because they can without consequences.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting.

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report. 

Credit Collections Service is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT IMMEDIATELY.!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items with the credit bureaus for almost a year now and they have yet to respond to any of my disputes. I have serious erroneous items on my credit that must be removed. Somehow, over the course of a year I haven't had anything fixed or received any letters. Please fix immediately.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.
Product: Credit reporting or other personal consumer reports

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. I have disputed the balance with Experian twice and both times, they have incorrectly reported a balance. I submitted a 3rd dispute but I seem to be going around in circles. You are my last hope before I am forced to file a lawsuit.
Product: Money transfer, virtual currency, or money service

CFPB is way to far behind on the level of fraud in crypto to non-sophisticated and lower income individuals. This " Bitcoin of America '' kiosk was in a mall ( XXXX XXXX, XXXX NC ) yesterday. The Bitcoin ( BTC ) price was nearly {$3500.00} above market. How much longer is the US government going to continue supporting the illegal transfer of wealth without taxation and support propping up crypto at the expense of the public?
Product: Credit card or prepaid card

They are taking too long to record payments. Currently I sent a payment on XX/XX/17 to pay off the balance and its now XXXX and they have not recorded payment. Its making me late and incurring fees. It was late yesterday so you can see I paid it two weeks early to avoid problems. I am not giving them my bank information to pay thru them. Paying from my bank allows me to keep records in one place.

This should not be happening. Its too easy to deposit checks.

Photo 1 shows last check daye XX/XX/17. Photo 2 shows check still outstanding. Not cashed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I mailed a dispute letter via XXXX XXXX mail tracking # XXXX, requesting an investigation into the following items : XXXX - XXXX, Bankruptcy Reference Number : XXXX, and incorrect addresses. To facilitate the verification of my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. Despite my adherence to the FCRA 's dispute process, I received a response from TransUnion dated XX/XX/2023, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response signifies a failure on TransUnion 's part to recognize and process a dispute initiated by the consumer, as mandated by the FCRA. The XXXX explicitly requires credit bureaus to conduct a reasonable reinvestigation when the completeness or accuracy of any item in a consumer 's file is disputed. I am submitting copies of my dispute letter, XXXX certified mail proof of delivery, and TransUnion 's response as evidence of my attempts to rectify the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had requested a wire transfer on XX/XX/2019 through Western Union. The money was with drawn form my bank account. It was supposed to be transfered by XX/XX/2019 and it was not. I had called Western Union on XX/XX/2019 to inquire and they said the money would be available on the XXXX. Then I get emails saying they want a date of birth, government issued ID, and address. All of this after I had inquired. I tried chatting with Western Union and they ignored my by not responding to my questions. I told them to give me my funds and really do believe that Western Union acts in good faith with it's customers. Aside from returning my money. It would be a gesture of good faith if the interest that Western Union accumulated off of my funds be remitted to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed items.
Product: Debt collection

My account balance is totally wrong, and I do not owe these fees. I tried to automatically enroll for payments, and it is not working. The recurrently monthly payment enrollment on XX/XX/XXXX was canceled, it was shown as submitted, and then it was canceled. I also issued 1 payment on XX/XX/XXXX and it was automatically canceled by your system, then I issued the 2nd payment 7 minutes later when I saw that the payment was canceled, the 2nd payment was shown as status 'Canceled '' again and then I issued the 3rd payment when the system showed canceled. This payment was issued and shows status " submitted '' on XX/XX/2020. It has been 4 months since I have been calling and spending hours with customer services from TD XXXX  and they said they were going to fix it. Now it is affecting my credit report. Please fix your system errors, fix my account, and delete this from my credit report today. I need my credit report as it was - Excellent. 

TD XXXX XXXX is charging duplicate charges and fees when the balance has been paid per the Contract/Agreement since I received the phone on XX/XX/XXXX. The balance is overstated with these duplicate charges and fees. 

I contacted them via phone multiple times and they told me that they were going to fix the balance but now it is reported as a collection in my credit report. 

Please delete it from my credit report TODAY, and correct the balance due.
Product: Debt collection

XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Twice a month {$58.00} for {$6000.00}. XX/XX/2019, ther service-worker was commited the paperswork undoing and delayed my payment for my plans schedule of summer of the end of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Name : XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX Account : XXXX XXXX : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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
Product: Mortgage

I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.