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

To Whom It XXXX Concern : I have called Citibank XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with Citibank, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. Citibank has taken no interest in resolving this issue, and I feel hopeless as a consumer as Citibank reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

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

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 in 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 multiple sets 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! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

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

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting 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 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from DIAZ & Assoc., regarding an old debt. This debt is 32 years old and was discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

I have attempted to get this collection off my credit for years now. The CFPB has helped me once and it was only took off my XXXX report. I have filed a dispute with XXXX and they conducted an investigation regarding HUNTER WARFIELD and they had it deleted off my credit report along with the amount of {$3800.00}. The original creditor was XXXX XXXX XXXX  XXXX XXXX. I have also attempted to file a dispute with XXXX regard the collection but I can not get any help to have it deleted. Either the web site wont work or I keep getting transferred to different people. The issue has been going on with XXXX for approximately 3 weeks with no help. 

I should of never had a collection. I left the home with a $ XXXX. The CFPB along with XXXX conducted an investigation and deleted Hunter Warfield from XXXX and XXXX. It needs to be deleted from XXXX. I will not pay something I do not owe.
Product: Checking or savings account

Contacted Wells Fargo XX/XX/21 to report fraudulent activity on my checking account. Someone impersonating a Wells Fargo employee texted my stating there was an unauthorized XXXX transaction and asked me to confirm or deny the charges. I denied and I was contacted by a Wells Fargo phone number and was told I needed to reverse the transaction and he guided me through it. Almost immediately I saw money being withdrawn from the checking account, mentioned it to the Wells Fargo employee and he hung up. Immediately contacted wells Fargo to report this fraud. Was told by several Wells Fargo employees I would be reimbursed. Weeks went by and then received a letter from Wells Fargo denying my fraud claim on XX/XX/21. Contacted Wells Fargo fraud department on XX/XX/21 to dispute this denial was told they would look into it Contacted again on XX/XX/21, same story. Everytime we call, we are on the phone for hours and no one seems to have any idea what how to assist us, no investigation of the crime of wire fraud thAt took {$2500.00} from my account. Wells Fargo has done nothing and has failed to reimburse us the funds that were stolen
Product: Credit card

I have received a XXXX for XX/XX/XXXX from discover Bank I do not recall getting any mail from Discover Bank, that dates back to XXXX, statute of limitation is 5 years in the state of Florida, is that legal?
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of the accounts I am disputing, they are not mines. None of the accounts have been validated, or verified. I wasn't given the IRS XXXX C Debt Cancellation Forms, or any purchase agreements that are supposed to be provided by the collection agencies or debt XXXX. Also from my understanding and research according to the Fair Credit Reporting Act these creditors have violated my rights Under XXXX XXXX. XXXX - permissible purpose of consumer reports, THE LAW XXXX XXXX : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Ive never provided written instructions to furnish any of these accounts on my consumer report? Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX. XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. - Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any -- ( i ) report contacting information solely as to transactions or experiences between the consumer and the person making the report ; This means any information that includes transaction history, late payments, balances, etc are not to be reported. Also I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I was the victim of identity theft last year in XX/XX/2022 when XXXX XXXX XXXX sent me statement in mail. I started working on it and I received XXXX more loan denial letters in mails from different lenders including XXXX. I contacted all of them and XXXX as well. All coordinated with me so effectively, efficiently and kindly BUT XXXX. XXXX every time gave me different information over the phone. I told them all the story and also that I've filed police report right after I received all those mails. I kept checking and all those credit removed from my credit report. I called XXXX and I asked how that transection successfully done, they told me that they charged initial payment with credit card ending XXXX. I told them that is not my credit card. I didn't find that credit card on my credit report as well. there was XXXX wrong phone number and employer information as well on my credit report that I disputed and got that removed. XXXX making me run around and they're not properly guiding me. Every time I contact them, I see that the person doesn't have proper information or doesn't even know what to do. Now every time i'm receiving amount due letters and finally Credit Collection Services letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1100.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled for bankruptcy XX/XX/2016 discharged XX/XX/2016. 
An Account on my credit report suddenly after more than 2 years now sent an update in XXXX and my time since negative has now plummeted to less than 1 month from nearly 3 years. 

Since this is a clear violation of the fair credit reporting act Transunion should not allow information that shows this account was included in bankruptcy and then report negative information after the filing date. 

I have disputed this with Transunion multiple times, they acknowledge you can not report negative information after the filing date but refuse to resolve the problem. They said they disputed it and the creditor verified the information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Dear, CFPB All XXXX Credit Bureaus, XXXX, XXXX, TransUnion have used my account XXXX XXXX XXXX for Employment purposes. If you look at the the remarks from each credit bureau they are all listed different. Across all 3 bureaus the information should be the same Paid and closed in the remarks section. CFPB this is clearly a violation under the Fair Credit Reporting Act. If these companies can't reflect the same information in the remarks box paid and closed, then I want this account deleted from my credit report due to inaccurate information. 

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

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, Transunion and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Product: Debt collection

I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -ACCT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

The issue is regarding American Express case # XXXX, XXXX, XXXX. American Express rebilled my account for without my consent more than 2 billing cycles after dispute notice was reported to American Express. Disputes were reported XX/XX/XXXX. XXXX closed XX/XX/XXXX, then we had 2 additional statements closed, XX/XX/XXXX, and XX/XX/XXXX. Amex can not suddenly come On XX/XX/XXXX to reapply these charge after such an extended time exceeding 2 billing cycles without my express authorization. Furthermore, the rebilling was without any valid basis but pure corruption on the part of AmEx by some very bay players within American Express. See attached documents confirming the date if dispute and credit. All of a sudden, long after the 2nd billing cycle has ended, American express sent me notice informing me they will be rebilling my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have broken the law by not responding to me. Equifax received my letter I have provided proof of tracking. They verified my account against law of usc 15 1609 FDCPA. Be advised this is 3rd and final written attempt warning that I intend to filed litigation in accordance with FCRA TO ENFORCE my rights, seek relief and recover all monetary damage that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 2 written requests, the unverified items listed below still remaining on my credit report in complete violation of federal law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In result of your first investigation, and subsequent reinvestigation, you mentioned in writing that you verified that these items are being reported correctly? I would like to know who verified these accounts? Equifax did not provide me a copy of any original documentation with ( consumer contract with my signature signed on it ) as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). You have failed to provide the method of verification as required under section 612 ( a ) ( 7 ). Be advised that under 611 ( 5 ) ( a ) of the FCRA you are required to promptly delete all information which can not be verified. The following accounts should be paid on time and open not closed XXXX XXXX, current account should be reporting paid on time XXXX XXXX XXXX, Delete XXXX XXXX