23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XXXX, 2022 under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Transunion XXXX XXXX : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

This company is harassing me and wont take my calls to request for them to leave me alone, I dont know what is going on in Tennessee but they are desperately trying to scam people for money even here in Texas
Product: Bank account or service

My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.
Product: Credit reporting or other personal consumer reports

I need to escalate this problem that I have with credit bureaus. They're not giving me any direct resolution to my problem. They are furnishing multiple accounts on my credit report without my written approval and that is invading my personal information. These negative accounts due to late payments and charges were all XXXX out by the individual who had these services but they're still declaring it as late or Charged-off. Why can't they just remove it or change it into its current status? I need to get this straightened out as I'm tired of going back and forth with them. I've been communicating with these departments since the start of this year. This is so annoying and exhaustingon my part.
Product: Checking or savings account

In XX/XX/year>2020 I sent XXXX via XX/XX/XXXX to a XXXX XXXX who was running a business on XXXX selling home decor. I never received the product which was a Queen size XX/XX/XXXX Comforter set. I contacted the owner numerous times to advise I never got the product and she provided me with a fake tracking number. After several back and forth correspondence with USPS I realized I was a victim of fraud. I reaches out to Chase who told me they could not help me as it was a XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX   XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Product: Debt collection

On XX/XX/2018, I sent XXXX XXXX, a cease and desist letter by certified mail that was signed on XX/XX/2018. 

On XX/XX/2018, I sent XXXX XXXX another letter via certified mail that was signed on XX/XX/2018. 

To date, XXXX XXXX is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.
Product: Debt collection

I received an invoice from XXXX at XXXX XXXX XX/XX/2021 regarding an apartment I rented at XXXX at XXXX XXXX from XXXX. In that invoice it stated, the apartment was not clean, repainted and carpet had to be cleaned. I submitted pictures to the apartment complex to support that the apartment was clean along with the carpet being clean. The office personnel reached out to the billing office and still started the apartment was not cleaned when I moved out. Several pictures were submitted to have the charges reversed. 

The account was turned over to IQ Data International, When I spoke to the representative at IQ Data International regarding submitting my pictures and to dispute the charges, I was informed I had to pay the amount due first and then the dispute progress would begin. I refused because I knew it was a waste of time and a tactic. I didn't believe in the system to follow through. Daily interest is added to the balance which increases the monthly balance. Current balance is {$520.00}. 

I want this rectify with the charges being dismissed and stop incurring daily/monthly interest fees.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true I am a victim of fraud. 

This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance.
Product: Credit reporting

I requested detailed accounting of payments & charges along with an explanation of any charges & how those fees were calculated, copy of original contract with original creditor & documentation on sale of the repossessed car & amount applied to account & copy of repossession papers in connection with a XXXX XXXX account showing up on my credit report.I filed a dispute with TransUnion on XXXX/XXXX/2015, they stated they received a letter that states simply that the account was accurate & then made changes to XXXX dates, there no was verification to prove the account is accurate & valid included with the statement. They did n't even receive verification showing the account is even my account ( no original signed contract with original creditor ). According to FCRA section 611 ( c ) if they did not receive the detailed verification that was requested, showing the account is valid & accurate, they are required to remove it. They did not. They chose only to update the account even though they had not received any verification showing its validity or accuracy. They refused to provide me with a copy of the letter they received from XXXX XXXX. I received no written results of investigation, which I should have received within XXXX days of being notified the investigation had been completed ( on XXXX/XXXX/2015 ), thereby violating FCRA section 611 ( a ) ( 6 ). I spoke with XXXX different representatives ( the XXXX one hung up on me ) & a supervisor, none of them seemed to care that they were violating my rights as a consumer per the FCRA. They offered to dispute again using the same electronic method of dispute, but said if XXXX XXXX did n't respond with the requested verification they still could n't remove the account which is not accurate. FCRA section 611 ( a ) ( 5 ) states that if they are unable to verify the account they are required to remove it. I am filing a complaint about the way my investigation was handled and how they chose to ignore the fact that XXXX XXXX was not able to provide any proof or verifying documents to show the account was valid, accurate or even belonged to me. When I disputed with TransUnion, I also sent a letter to XXXX XXXX disputing the account & requesting verification of all the documents I listed above. As yet they have not responded to my request for verification either. In four days they will be at the 30 day response time as required by law. I do n't expect a response from them because I doubt if they are able to verify any of the information that I requested. I will enclose a copy of the letter sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

Capital One Auto XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Capital One XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report.They are hurting my ability to obtain report
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, Equifax, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.
Product: Credit card

In XXXX my Bank of America credit card was assessed an annual fee of XXXX dollars even though I had been a credit card customer in PERFECT STANDING since XXXX never having missed a payment nor ever being late on a payment. 
Bank of America has targeted a small group of their credit card holders and punished them with annual fees even if they have never been late on a payment. The only choice they gave me was to either cancel my card or accept the annual penalty, in either scenario my credit rating would have been harmed even though I was never late on a payment. This seems unethical to me since I never did anything wrong with their credit card. I recently asked them to stop charging the annual XXXX dollar fee and they refused. Bank of America has come up with a sinister method for raising the annual interest rate on their credit cards by imposing a XXXX dollar annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Product: Debt collection

UNIT INFORMATION FOR THE DEBT BEING COLLECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TIMELINE : This unit was paid for on XX/XX/XXXX in the amount of {$360.00}. We then moved out of the storage unit XX/XX/XXXX which we have proof and email correspondence of doing so. 

On the XXXX of XX/XX/XXXX we were charged another {$300.00} for this same unit we did not use anymore, which was charged to our XXXX Credit Card. We then disputed the payment as we were no longer using that unit since our physical move out date on XX/XX/XXXX. This was charged back to the XXXX XXXX because corporate offices at Public Storage were not reachable, as well as their management offices at the physical location. We placed XXXX calls and nobody answered. 

Today, XX/XX/XXXX, Allied Interstate LLC, a debt collection agency, tried collecting this debt from me, in the amount of {$300.00}, and told us to reach out to Public Storage corporate. Which we did and they did not answer. We've left voicemails. 

COMPANIES INVOLVED : Debt collector : Allied Interstate llc XXXX XXXX XXXX XXXX pa XXXX Storage facility : XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate offices seem to deliberately ignore consumer calls for disputes on dates, payments, or fees especially when they do not seem to be legitimate. Corporate offices are unreachable at any hour of the work-week. And physical locations that have a management office ( a manager present ) is never reachable in-person and the front desk clerks tell you to call this manager ( who has more authority ) via phone. These " managers '' rarely actually answer the phone, and when they do they tell you to call corporate, who are definitely not reachable. This stems from a disorganization from the corporate offices to the management offices present on-site at the storage facilities. Accurate/timely records are not shared in between these two offices ( low communication )