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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section 605B, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each one of the credit bureaus : XXXX, XXXX, and Experian. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX  creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

So credit karma closed my savings and checking account I had XXXX in my savings account which they said was transferred to an external bank account but they don't want to give me that info even after verification of my personal information
Product: Debt collection

Debt validation request ignored, collection agency acting without proper proof On XX/XX/XXXX, I received a letter from Fair Capital LLC ( Case No : XXXX ), claiming that I owe {$850.00} to XXXX  XXXX XXXX XXXX However, this collection is fraudulent and unverified. 

The engagement letter I signed with XXXX  XXXX XXXX on XX/XX/XXXX, does not specify any fixed amount owed, nor does it outline how fees are calculated. 
There is no invoice, breakdown, or signed agreement showing that I agreed to pay {$850.00}. 
The contract states that additional charges require prior notice, yet I was never notified of any outstanding balance before this debt appeared in collections. 
The contract also specifies that disputes must go through mediation first, yet XXXX  XXXX XXXX bypassed this and sent the alleged debt to a collection agency without following their own contractual obligations. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverified debts. Fair Capital LLC has failed to provide sufficient documentation proving that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERIFINANCIAL SOLUTIONS posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX  and XXXX  have both removed the collection from my credit report, but XXXX  is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$9100.00} ONEMAIN XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} AMERICAN XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute to equifax on XXXX and still haven't got any results on investigation XXXX  has remove all collections on credit report my but XXXX and Equifax haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also Equifax has improper display of my collections which makes it inaccurate which needs to be immediately removed
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

The short version is that I can not get anyone to pick up the phone in the fraud department for XXXX XXXX XXXX owned by Synchrony Bank ). I have been on hold for for hours - last night and today, and can not get a person on the phone. The number is ( XXXX ) XXXX. Two fraudulent transactions from a country I have never visited have appeared on the account, and I have no way to resolve the problem. ( I have tried online chat/ the login portal, but only the fraud department can do anything ). 

The long version : On XX/XX/XXXX at approximately XXXX, I received a notification that two charges had been made on my XXXX XXXX XXXX owned by Synchrony Bank XXXX My card has been frozen for a long time, so I knew these were not placed by me. 

I immediately attempted phone contact while logging in. I was told that no one can address the issue via the website ; only the fraud department. I was on hold over an hour last night before giving up and hanging up the phone. 

Today I am CURRENTLY on hold and have been on hold for one hour and 10 minutes.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy of the information being reported by your company to the credit bureaus regarding the account with the original creditor XXXX XXXX XXXX XXXX ( Account # XXXX ). I recently reviewed my credit report and noticed that this account is listed with the following details : Balance : {$250.00} Status : Collection Account Status Updated : XX/XX/year>XXXX  This account was fully paid and settled as of [ specific date, if known ], and I believe it is being inaccurately reported as a past-due collection account. Additionally, it does not accurately reflect the updated payment status of {$0.00} owed. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting of all credit-related information. I am requesting that you : Investigate the information reported to the credit bureaus regarding this account. 
Verify the accuracy of the details, including the current balance and status. 
Update or remove any incorrect information to ensure the accuracy of my credit report
Product: Credit card or prepaid card

I placed an order to purchase the XXXX XXXX from the online store ( XXXX, one brand of XXXX  ), the date is XX/XX/XXXX. My BOA credit card was charge on XX/XX/XXXX, but I did not get any shipping information from seller. XX/XX/XXXX, I sent email to seller to inquire about the order status. I got a reply from seller on XX/XX/XXXX. They told me the items did no ship out yet, they also did not tell me when the items should be shipped out. I reply them to ask for cancel the order. Because they promised they should send the items within 7days ( not 7 busines days ) from they got order. From that time to now ( XX/XX/XXXX ), I never got any message from seller, they also did not cancel order or shipped out the items. According this status, I want to disput this transaction from my credit card. But when I login my BOA online bank and tried to dispute this transaction, the onlin bank did not allow me to do this process. The online bank appeared I must to call a phone no. XXXX. I did online disput before, I did not understand why BOA did not allow me to do this time. My oral XXXX is not good to call a customer service agent, I think BOA this behavior do bring me too difficult to use credit card. I also do not understand why BOA change the disput method. 

Thank you for your time and attention
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Report number XXXX Date generated XX/XX/year> XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX
Product: Debt collection

In its statement dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX charged {$50.00} for service they said on XXXX/XXXX/XXXX, more than three years ago. Luckily, I had a copy of statement of my insurer indicated I paid in full in my copay for the service on that day, and I sent a copy of the statement contesting the charge and asked them for the reason why I am charged.They never provided more information or explanation of the charge, but keep charging in their statement dated XX/XX/XXXX,XX/XX/XXXX, and another one without date about a month later despite my repeated request for explanation every time I received such a statement. Finally, on XX/XX/XXXX, I received a phone call from an agent of Chase XXXX agency at both office phone and cell phone asking my birthday without explanation what for they are asking despite my repeated request. Since I could not recognize Chase XXXX XXXX, I told him I could not disclose my personal information without knowing what it was for, he hung up saying he would proceeds on collection process. When I return home late in the evening on that day, I received statement from Chase Receivables of the same charge that was referred to the collection agency with past due warning without any explanation of the charge that I have repeatedly requested for. I will be happy to pay if they provide me with good explanation for the charge, but they never provided me with one despite my repeated request, but forwarded the charge to collection agency. I am afraid that will adversary affect my credit record.
Product: Money transfer, virtual currency, or money service

And Continued Matter, ,My Cellphone Is Registered With online Services Too, ,And They Sent Me In A Email A One Time Access Code For Online Use Only And Access Code For The Atm, XXXXThat Is Over ( 30mins ), ,This Happened About A Week Ago? So I Really Don't Understand What Is Going On At This Time,,? I'm Very Disappointed With This Type Of Matter
Product: Debt collection

I did not open anything in their name.. someone used my name to get cable
Product: Debt collection

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( B ), and 18 USC 1028 ( A ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as Transworld Systems Inc used my information and publicized it.
Product: Credit reporting or other personal consumer reports

I ask that you guys correct and fix This company is reporting wrong information someone added me onto this loan with an address Im not affiliated with a Date of birth on the loan that isnt mine. A co signer on the loan that I dont know anything about. I ask this matter get fixed and report this to the bureau correctly deleted it shouldnt be on my account as the car isnt mine all this need to get took care. The date of birth the address and the co signer dont have anything to do with me Im not aware of it. I filed a police report reporting this issue of my things being stolen I will also file on you guys for allowing someone to get a car under my name with different date of birth and address and co signer if this matter isnt fixed and delete I will file At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC. IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 credit bureaus : XXXX, Experian and XXXX in XX/XX/2022, they are reporting inaccurate information on my report from XXXX XXXX XXXX. I took a screenshot and explained the inaccuracy. I received my credit reports back and all bureaus stated the account was accurate and verified. Per the attached, this is inaccurate information. This is not fair to the consumer. This is affecting my life. Any information on your credit report should be 100 % accurate. XXXX XXXX XXXX along with the credit bureaus have violated my rights and the law. 

In accordance to the FCRA the laws state : 15 USC 1681 602 A Accuracy and fairness of credit reporting which states I have the right to privacy. 

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 e ( b ) Compliance and procedures ( b ) Accuracy of Report 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 whom the report relates.
Product: Mortgage

The CitiMortgage Notary Signing Agent came to my home on XXXX. We signed the loan docs and were complete by XXXX XXXX. that same day. 
Although the loan was a cash out refinance that I had to complete a plethora of paperwork to be approved, at no time did anyone from Citi, or XXXX, inform me or ask me how I wanted the proceeds distributed and in the past when I have closed on loans, proceeds were distributed at closing. 
Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
Citi Mortgage funded my new loan on XXXX, as of this writing my proceeds are still outstanding and have not been disbursed to me or my bank despite my requesting etf and providing all banking information. 
Although I am now responsible for paying back this loan as of XXXX/XXXX/15 I still have not received the cash that was due and payable to me at closing on XXXX/XXXX/15. It has been a little while since I did a refinance this does n't seem right. Do they owe me interest like I had to pay daily interest on the loan amount?
Product: Debt collection

This agency is calling repeatedly every day to my work number and my coworkers - up to 3 times per day harassing my coworkers. This has been going on for weeks and they have been told numerous times to not call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the accounts right away. 

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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX