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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting a Delinquent Account. After two attempts American Express was unable to provide me with my signature and prove that account belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did all the paperwork and sent them in to the credit reporting agencies. They have never removed the accounts and attached my paperwork to the disputes I requested. They have not given my copies of the verification report. All these processes are required by the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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 whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX are not complete and accurate. 

XXXX XXXX XXXX XXXX XXXX ] The account is a closed account and still being charged & is going up about $ XXXX $ XXXX. 

[ XXXX XXXX XXXX XXXX ] This account is closed & Paid Off. 

Also all reports being reported without my consent and/or knowledge of being reported is in violation of the FCRA which I do/did not give any consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Transunion credit report with XXXX XXXX today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why Transunion told XXXX XXXX to report something and then lie about it, I called Transunion to try and figure out what is going on with this problem and some guy told me that XXXX XXXX is reporting false information so I asked they guy how can XXXX XXXX report something false when all of the information that they report comes directly from Transunion and then the guy told me that they have a relationship with XXXX XXXX but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame XXXX XXXX for it. I will also contact XXXX XXXX and ask about this.
Product: Debt collection

Around med XXXX I noticed my credit score had dropped a great deal due to a negative report from Southwest Credit. After contacting Southwest Credit i am informed that they are collecting a debt for XXXX and i tell them that i have an acct. with XXXX and it's in good standing. the rep. suggested that i contact t-mobile. After contacting XXXX and informing them of this situation, they confirmed that my acct was current and that there was no debt owed. I've been back and forward with Southwest Credit and XXXX and have no success in resolving this issue while my good mane and credit is wrongfully attacked.
Product: Mortgage

nationstar mortgage company ( NS ) assumed our motrgage in XX/XX/XXXX and did an escrow analysis. this analysis stated we did not have homeowners insurance and added a monthly charge of {$34.00} for the cost of them paying for and securing insurance. On XX/XX/XXXX I called them upon recieving my monthly statement /mortgage bill and was told there was no insurance on acct and would have to provide insurance voucher and charge would be removed. I faxed insurance coverage and payment information effective XXXX and paid in full for the year ( {$390.00} ). NS acknowledged reciept of fax and stated they would remove after another escrow analysis was complete which would take XXXX15 business days. I called up on a weekly basis until XX/XX/XXXX and nothing was ever done to remove these charges which were accumulating as overdue payments at the rate of XXXX per month. I have been paying the origional mortgage amount but the insurance pmt has not been removed to this date. I should not have to pay for something that has already been disclosed as active, never lapsing and paid for. they stated they had to buy insurance for me but i have never recieved any insurance information from them, carrier, coverage, options etc. I have made 12 calls to NS for a resolution, spent 45 min per call and was promised it would be removed but as of this date it has n't. I do not want my credit to be affected by their inability to retract this fee.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair 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 whom the report relates. The account with XXXX Account : XXXX And one more thing according to 15 usc 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knowns or has reasonable cause to believe that the information is inaccurate. As you can see on the first credit report on XX/XX/year> that I first noticed that they reported inaccurate information with Experian, XXXX and XXXX and now noted and also attached XX/XX/year> inaccurate information. 

Check the attachments.
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 violates the Customer Financial Protection Act ( CFPA ). Significantly cash app. failed to take the timely and effective measures prevent an address the fraud on their platform. Leaving my account vulnerable and unprotected.. furthermore their solution 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 has caused. Significant Inconvenience and finance Loss. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I asked this company to stop reporting my personal information without my concent and asked that they remove any information they have against me that i never gave permission to have access too. On XXXX I sent this company a request to opt me out their system also to delete any personal information they have on me. I sent over all important information they asked me to send to identify myself. They refused to do so! I have asked I never had any dealings with them. I dont know anything about this company. This is fraud! l have added sensitive information to identify myself. The same information i sent them to remove me from their system.
Product: Credit reporting or other personal consumer reports

I am writing to demand a reinvestigation of the fraudulent XXXX XXXX accounts ending in XXXX and XXXX that remain inaccurately reported on my credit file. I have disputed these accounts multiple times and provided ample evidence proving that they were opened without my authorization due to identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputes and remove unverifiable or inaccurate information. However, your continued reliance on XXXX XXXX claims, without independently verifying the facts, constitutes a failure to meet your legal obligations. 

Key Facts and Evidence Provided XXXX. These accounts were opened as a result of identity theft. 
2. I submitted the following evidence in my disputes : A police report documenting the identity theft. 
An FTC Identity Theft Report. 
Court dismissal orders related to lawsuits concerning these accounts. 
XXXX. XXXX XXXX has refused to accept the fraud claims despite the overwhelming evidence, and you have mirrored their position without conducting an independent investigation as required by the FCRA. 

Your Obligations Under the FCRA Under 15 U.S. Code 1681i : 1. Reasonable Investigation : You are required to conduct an independent and thorough investigation of disputed information. Simply relying on the furnisher ( XXXX XXXX ) is insufficient. 
XXXX. Correction or Deletion of Information : If the disputed accounts can not be verified, they must be removed from my credit file. 

Demand for Action I am demanding that you : 1. Conduct a reinvestigation into these accounts, independently verifying the evidence I have provided rather than solely relying on the claims of XXXX XXXX. 
XXXX. Provide me with a detailed explanation of the methods and findings of your investigation. 
XXXX. Immediately remove the fraudulent accounts from my credit file if they can not be verified as legitimate. 

Failure to Comply If you fail to properly investigate this dispute and remove the inaccurate information, I will escalate this matter further by : XXXX. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
XXXX. Taking legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney fees for violations. 

For your convenience, I have attached copies of all supporting documents, including : A copy of the police report. 
My FTC Identity Theft Report. 
Court dismissal documentation. 
Correspondence with XXXX XXXX regarding this matter. 

Next Steps You have 30 days to respond to this dispute and notify me in writing of the results of your reinvestigation. I expect full compliance with the FCRA and immediate action to resolve this issue. 

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

I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and equfax ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX  XXXX hangs up on me when I call there company
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX U.S.C. XXXX ( XXXX ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit card

I had a XXXX XXXX credit card for a few years. When I found out this company had been bought by UMB bank, I XXXX  their reviews and determined I did not want a credit card for this company due to horrible reviews. I canceled the card In XX/XX/2024. I did forget an automatic payment to XXXX which charged in XX/XX/2024. I set up my automatic payment for XX/XX/2024 and it was returned to my bank 2 days later. I called customer service, who removed the late fee and instructed me where to mail a check to pay my debt. The original debt was paid, but UMB is now charging another late fee for following their customer service reps instructions and mailing the check. 

The reviews of horrible customer service is true to my experience and I am living it without ever having an account with this company I simply want to cancel the account ( I have never signed an agreement with UMB ) and reverse the credit reporting they have done in the past few months over a XXXX cent fee and future fees, charges, etc. 

I am XXXX XXXX XXXXXXXX veteran, retired from the XXXX, and am currently XXXX.
Product: Credit card

I opened up a dispute on XX/XX/23 on a {$4700.00} charge. I disputed the charge because it was a mechanic charge & the mechanic did not do the job AT ALL and the 18 wheeler had to be taken to a new mechanic to do the job correctly. 
I sent over XXXX different statements to Chase sapphire preferred from XXXX new mechanics, which all of them proved that the XXXX mechanic ( XXXX from XXXX XXXXXXXX XXXX ) did not do the job. 
I asked Chase several different times about a deadline & they gave me a general statement stating that it can takes months, it just depends I spoke to a female manager mid XXXX about our case & asking about a deadline and she ensured me that she would notate the case & never gave me a deadline. 
End of XXXX, my case was closed. 
When I called to ask why? A supervisor by the name of XXXX ( location XXXX XXXX ) stated that I did not give more information by the DEADLINE! when I told him that I asked about a deadline SEVERAL times and yall withheld that information from me, he said sorry, thats not going to change anything ) I spoke to another supervisor XXXX ( location XXXX XXXX ) he said that I can not appeal this decision and if I tried he said I cant guarantee that the case will end up in your favor, but I can guarantee that we will not change our decision! 

Which proves that they do not even give the consumers a fair shot at appealing wrongfully handled cases. 

I asked XXXX how was I supposed to know that more information was needed by a certain date & he said there was a statement within the app.

When I asked him to direct me to this area, he had a very difficult time finding this hidden information. I proceeded to tell him that not only was it difficult for him to find but ALSO 1 ) there was no notification that I had statements waiting for me. 2 ) I was told SEVERAL times if I wanted an update on my case to go to manage accounts then track disputes again this hidden information was NOT in the section I was told to look. 

While speaking to XXXX and XXXX. They both gave me different deadlines. 
XXXX said the deadline was XX/XX/XXXX. 
Then he said it was XX/XX/XXXX XXXX said it was XX/XX/XXXX The hidden statement on the app said it was XX/XX/XXXX. 
Online and throughout cardholders agreements it does not give a set in stone deadline about disputes. 
AND According to the FCBA consumers are supposed to be given up to 90 days to resolve these cases which my 90 days would be on XX/XX/XXXX, which has yet to come. 

It is clear to me now that information was withheld from me on purpose so that I would be forced to pay this charge. Chase knowingly hid this information from me & refused to give me a right and fair chance.

I would like this charge disputed as the mechanic charged us for work that was never done & the proof is there that it was never done!
Product: Credit card

I've consistently made sure payments are on time for this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX  with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. 

The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

I pulled my credit reports and XXXX XXXX XXXX XXXX is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for XXXX  years now. I need it off my credit report. It is fraud. Thank you.
Product: Credit reporting or other personal consumer reports

I was looking at my consumer report and noticed that there were hard inquiries that are not mine on my report.
Product: Credit card or prepaid card

I reside in XXXX XXXX. We were hit by a XXXX in the month of XXXX. Goldman sachs Apple card sent me an email on XX/XX/XXXX to inform that I had been enrolled in the XXXX XXXX XXXX. The perks of this program ... XXXXyou may skip the payment due on XX/XX/XXXX and no interest would be charged in the XX/XX/XXXX statement. I paid the balance in full on XX/XX/XXXX ( prior to the statement date ). To my surprise XXXX am bein charged {$100.00} in interest. Twice I have made a claim and twice i have been rejected. The representative refused to explain why theclaim had been rejected even though she read the email they sent me