23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX  XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I tried opening a business account online with navy federal credit union it was denied so I appealed letting them know I have an account with them also a credit. A fews days later my accounts were closed stating due to fraud.
Product: Checking or savings account

Truist Bank- {$10000.00} was deposited into my account. I was informed almost have would be held for 10 days. That is totally outrageous. Not only that, it was a bank/cashier 's check!! This is not 1970. I spoke to two separate people at the local branch and corporate. They both laughed me off saying it was too bad because they have the right to do that. On top of that, I have no negative history at the bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit report. Despite my formal dispute letters sent via certified mail, these credit bureaus have failed to remove inaccurate or unverified accounts as required under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ]. 

The following accounts are inaccurately or improperly listed on my credit report : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX Extra Account Number : XXXX XXXX XXXXXX/XX/XXXX Account XXXX : XXXX XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Numbers : XXXX, XXXX XXXX XXXXXX/XX/XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX I formally requested that these credit bureaus provide verification of these accounts, including signed contractual agreements as required under FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ]. However, they have either failed to respond within the legally required timeframe or have not provided sufficient documentation to verify these debts.

Additionally, under FCRA 605B ( c ) ( 2 ) [ 15 U.S.C. 1681c-2 ], if an item can not be verified, it must be permanently deleted. These credit bureaus are violating federal law by continuing to report this information, causing me financial harm, including denied credit opportunities and negative impacts on my credit score.

Resolution Sought : I request that the CFPB take immediate action to enforce compliance with the FCRA and require Equifax, Experian, and TransUnion to : 1. Permanently delete the disputed accounts from my credit reports.

2. Provide written confirmation that these accounts have been removed.

3. Cease reporting any unverifiable or inaccurate information related to these accounts.

4. Investigate the credit bureaus failure to comply with federal law.

If these credit bureaus do not comply, I request that the CFPB take appropriate regulatory and legal action against them to prevent further consumer harm.

Please provide me with a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Transunion repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.
Product: Credit reporting or other personal consumer reports

Please remove the following account on my report related to identity theft. I have filed my identity theft properly and transition has helped me in removing all fraudulent accounts on my report but one was missed in error | ask that this last collection account be removed along with the following inquiries. 
FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made several payments to my home depor credit card and they were not applied. Last week I was told to fax proof of payment to the company which I did and I have the fax confirmation and they are still hassling me. I went online and then saw severall payments that I made were not credited to my account and twice I was charged late fees when I had paid, I most recently made a payment for {$35.00} on XX/XX/XXXX and they are stating that they did not receive that payment and are emailing me every day despite the fact that I faxed them proof of payment. 

I also made a payment of XXXX on XX/XX/XXXX that was not applied to my account and on XX/XX/XXXX that was not applied to my account. 

Now I am being billed for disputed amounts via my email on a daily basis and I see that my letter to them -- my secure message is not sent. Please push them to investigate where they are putting my money and and drop the late fees. I pay my bills on time
Product: Money transfer, virtual currency, or money service

I withdrew XXXX dollars from the XXXX atm machine at XXXX an I tried to take off XXXX dollars an before I could finish my transaction the atm machine took the money back before I even had a chances to grab it I have already filed a complaint an cash app has not responded an I sent them the documents they needed showings proof of my transaction an its been another 15 days an I havent got a response yet
Product: Debt collection

My identity was stolen and this account was included in accounts open up using my business information and my social security number
Product: Debt collection

Hi, In XXXX of 2022 I was taken by an ambulance for a strong sharp stomach pain, I was unable to breath properly due to the pain and also was having chest pain due to having a XXXX XXXX. My husband called an ambulance ( XXXX of XXXX XXXX ) The medics came inside the house and asked me what was wrong. I barely could explained that I was having a terrible sharp pain and I couldnt breathe well. They transported me to the ambulance and started an IV, and gave me all sorts of medications without my approval or knowledge. My husband was NOT with me so I was not in a right state of mind to be able to act on my own free will to either deny or approve medication. Additionally, the ambulance took me to a hospital ( XXXX XXXX in XXXX IL ) without my knowledge. Had I known they were taking me to a hospital that was out of network from my insurance I would have never allowed it, however, I was never given the choice. The hospital is XXXX miles away from my home and the village is charging me XXXX dollars in ambulance services I never allowed to have. I dont even know what they are charging me because the collection company ( Wakefield and associates XXXX refuse to send me a copy of the itemized bill. Like I said, I was never sent a letter to dispute this debt and when I received a phone call I told them I wanted to disputed it. The collection company tells me my account is in disputed status, however with XXXX resolution. They call me and send me letters to pay the village, but they refuse to provide a copy of the itemized bill or proof that I requested or approved treatment of the following : XXXX. Be driven to CDH XXXX. Whatever medication they provided during the XXXX mile ride. 
I understand the No Surprises Act supposedly doesnt apply XXXX XXXX ambulances, but this is an extremely unexpected medical bill I was not aware off. Like I said, I never gave my approval to drive me to an out of network hospital. The village of XXXX XXXX thrives on taken advantage of the poor and minority people of XXXX XXXX. Well, I am XXXX of them. Now my XXXX XXXX has been negatively affected when XXXX of XXXX XXXX sent this XXXX dollars to the collection agency Wakefield and Associates Please help me. 

Thank you for your attention to this matter. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX Balance.
Product: Credit reporting or other personal consumer reports

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX  XXXX Act # : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last 3 months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all XXXX agencies and expecting monetary relief for my pain and suffering.
Product: Debt collection

Hello, I cant provide the exact dates because it happened a couple of years ago, I had a XXXX XXXX account, probably around XXXX or XXXX. This account was paid by XXXX XXXX when the Switch to us program was available. I visited a XXXX company back in the days and offered me the promotion of paying the account to switch to them. It is not the first time that XXXX provide the wrong information to me causing me to own money. Before I had to solve owning a phone after it was informed to me that removing that line wouldnt affect me, that situation was fix successfully but now Im dealing with this unpaid account that I wasnt aware of and trusted that it was paid off by XXXXThe information that was provided to me was that this balance was paid off. If a employee made a mistake or misinformed me, I should not be having this reported. Since I am disputing this debt, CONVERGENT OUTSOURCING should not report it to the credit reporting agencies. 
Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting act. Total amount supposedly own {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous issue with XXXX XXXX, Experian, and XXXX. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, Experian and XXXX have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
Product: Credit reporting or other personal consumer reports

I didnt authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX WESTLAKE SERVICE INC XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Checking or savings account

I tried to log into my account to check my paycheck status. I was told my account was closed on the app and could not log in. 
I have no access to my money and I have bills that are due. 
There were NO communications from the bank about closure of my account. 
I recently received a payout from insurance after part of my home was destroyed from XXXX XXXX and I can now no longer access the funds to repair my home or pay my bills.
Product: Credit reporting

I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have been reporting my credit FICO score for other bureaux ( XXXX and XXXX ) very wrong for 4 ; months I called them several times as well as chatted with them online to correct it and they have never done, I called XXXX and XXXX to inform them they asked me to call Equifax to request correction, I did nothing happened.For example my Fico score for XXXX is XXXX but Equifax Report XXXX, For XXXX it's XXXX but Equifax Report XXXX .I have been asking Equifax for months to correct it and they won't.
Product: Credit reporting or other personal consumer reports

The Equifax company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX The XXXX company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you XXXX These lenders have accessed your credit file : XXXXXXXX XXXX  Inquiry date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than XXXX  years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information and Inquiries Viewed By Others currently showing and listed on my Chex Systems Consumer Report ID : XXXX are fraudulent accounts and fraudulent inquiries : XXXX  XXXX XXXX XXXX XXXX, XX/XX/2024, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX, XX/XX/2024 and XX/XX/2024 and XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Mortgage

I signed loan modification papers with soritis for new reduced mortgage interest rate and payment. An electronic payment of {$990.00} was sent to sorits on XX/XX/18 ( prior to the XX/XX/18 due date ). 
I received a statement on XX/XX/XXXX, dated XXXX as a monthly statement from sortis, that does not reflect that payment the from XX/XX/XXXX. Attached is a copy of that statement.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$450.00}
Product: Credit reporting or other personal consumer reports

I paid off the balance for this account XXXX. XXXX, XXXX XXXX. All bureaus reported XXXX except Transunion. I made a dispute w them. It came back TODAY on XX/XX/XXXX as verified with a XXXX balance as if i didnt pay it. This is inaccurate reporting and they did NOT verify or update any info in their dispute resolution. I reached out to the creditor, and they said that it is reflecting, XXXX balance and that its paid in full!!! FCRA states that reports should be verfied as complete as possible. Please update then.