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

Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 our CITI Mastercard was fraudulently charged {$5000.00} by a company we do not know. This company is presumably in XXXX, XXXX, but XXXX turns up nothing. We were in XXXX at the time and used this card for most of our purchases. We reported fraud to the credit card company. In response, the company 's letter sent to us on XX/XX/XXXX states " Valid charges were made with the credit card issued in the name of [ my name ] both before and after disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''. I called the company on XX/XX/19. When I tried to argue my case with their fraud department, I was told that, since the physical credit card was used in the transaction, we must have done the charging - case closed. It is possible that, by mistake, we let a vendor handle the card without our direct supervision which is common in the US. So it is entirely possible that someone ran the card through two card registers - one for a legitimate purchase and one for a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, XXXX  months after receiving an XXXX  XXXX XXXX from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Product: Credit reporting or other personal consumer reports

This is a demand for the immediate correction of inaccurate late payments reported by Experian and XXXX. As a consumer, I am fully entitled to accurate and timely reporting under the Fair Credit Reporting Act ( FCRA ). I am demanding that both of these agencies correct these inaccuracies immediately. XXXX has already corrected all of these accounts, and Experian and XXXX must do the same without delay. 

XXXX XXXX ( XX/XX/XXXX ) : This account is incorrectly reported as late. The payment was not late and must be updated to " current '' status immediately. 
XXXX XXXX ( XXXX XXXX ) : Payments were made under a payment plan. Under XXXX XXXX. XXXX, reporting these as late is unlawful. Even if there were no payment plan, this remains a violation of my rights. This must be corrected now. 
XXXX XXXX : XX/XX/XXXX : Payment was deferred due to a hurricane, not a late payment. Reporting this as late is a violation of consumer rights and must be corrected immediately. 
XX/XX/XXXX- XX/XX/XXXX : Payments were made on time. This error must be corrected without further delay. 
XXXX XXXX ( XXXX & XX/XX/XXXX ) : These months must be updated to " current '' status, as they were inaccurately reported. 
Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for mishandling consumer credit information, which is an indication of its failure to follow proper procedures. XXXX is not immune from scrutiny either, and I will not tolerate its disregard for consumer protection laws. Additionally, the XXXX data breach has already caused significant damage to my credit. These reporting agencies must now correct their mistakes without further delay. 

Your agencies negligence in reporting late payments that never occurred is not just a mistakeit 's a violation of my consumer rights. I demand these corrections be made immediately, or I will pursue further legal action. Your failure to comply with the law and correct these inaccuracies will be reported to the CFPB and other relevant authorities. 

These errors have caused harm to my credit, and I insist they be fixed now. I will not allow these errors to continue. You are legally obligated to correct them and restore my credit status to its rightful standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased my Credit Report and FICO from XXXX. The report reflected all my accounts current but extensive unauthorized chagres reflecting usage of credit I did not use, as a result of Identity Theft. I notified the supervisor of the Fraud and Security Unity of XXXX  on XX/XX/2018, who advised if I made a police report and sent it by facsimilie to XXXX, they would issue a revised current report and new FiCO and remove all the unouthorized requests for my credit report. I specifically asked my crditors to notify XXXX, they did and there has not been a new report and FICO report reflecting my actual use of my credit and removing the unauthorized requests for my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX opened a unauthorized and unrecognized inquiry on my Equifax account that I want removed.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$7100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX we provided proof to mr. Cooper that we had change our insurance companies for our homeowners insurance to XXXX I have proof of that uploaded on my phone that they have updated it in their system we made our final payoff on our house with a payoff letter supplied from the mortgage company mr. Cooper and one week after we had wired the money from our bank to their account that they provide it they are saying now we owe an additional {$400.00} for hazard Insurance because we did not have insurance on our house which we had already supplied proof of so now they are not accepting the payoff that they gave to us because they're saying we owe them for insurance when we had already supplied them with proof they are trying to nickel-and-dime more money out of us
Product: Checking or savings account

Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.
Product: Checking or savings account

I open an account with Credit Karma 6 months ago. I usually use this account to save money in it. On XX/XX/XXXX I receive 3 separate notifications about 3 separate charges on my account saying someone has transfer money into a XXXX XXXX account in the name of XXXX XXXX in the amount of {$9.00} and another amount in {$930.00}. I went and trying to lock my account, it says they change my phone number and they transfer the {$380.00} that I save into my savings account into my spending account. I try to lock my account and it was too late, they hacked my account and stole the {$930.00} that I have save into my credit karma account. Someone stole my money using XXXX XXXX under XXXX XXXX and drain my bank account. Ive call Credit Karma and they froze my account. I havent heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to specifically express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my Zelle account failed to be vulnerable to scams. The CFPB 's findings indicate that Zelle has neglected to protect consumers. This lack of accountability is unacceptable and raises serious concerns. I have previously used Zelle accounts XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. XXXX XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX XXXX Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection 4. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA N.A. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Product: Debt collection

In reference to Claim No. XXXX - I am a federally protected consumer! 

Pursuant to 15 USC 6801- in your correspondence it was stated, " With its purchase of the Account, the Current Owner acquired all ownership rights ... '' however, as a federally protected consumer this company is violation of the privacy obligation policy. I do not feel safe with this company having any of my nonpublic personal information that I never gave them consent to! 

Even after sending a cease and desist to RESURGENT, they continue to violate me and my personal non-public information pursuant to the Gramm Leach Bliley Act 15 USC 6801. Invasions of individual privacy is a violation of federal law. Ref. 15 USC 1692 ( a ). Every consumer has the Right to Privacy. Due to the sale of my nonpublic personal information that you mentioned in your response to my initial complaint, I have reason to believe that this company is operating illegally and committing racketeering crimes due to their abusive and deceptive business practices attempting to coerce me, a federally protected consumer. XXXX is a federal crime that will end in time in federal prision!!! 

I am a federally protected consumer demanding evidence of the method of verification. Who was spoken to during your attempt to verify this information as ACCURATE and LAWFUL prior to furnishing it to my consumer report? On what day and at what time was this information verified? Provide receipts and documentation of the consumer receiving knowledge of my information being sold to other companies prior to the sale of the original instrument of indebtedness. If proper documentation informing the consumer prior to the sale ( a fraudulent sale ) can not be provided, then I as a federally protected consumer have reason to believe that a unilateral contract is in place which would completely remove any obligation from myself, a federally protected consumer.

In RESURGENT 'S attempt to respond to my complaint, they stated " With the purchase of the Account ... '' and attempted to attach documents to the response. However, nowhere does it have my WET signature confirming and affirming that I am obligated to make any payments to RESURGENT!

RESURGENT stated, " After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' I demand evidence of your investigation methods and proof that NO evidence of deceptive business practices have taken place. 

I am demanding that RESURGENT honors my cease and desist ( that I will re-attach ) and cease all communication with myself, XXXX XXXX - a federally protected consumer, by no longer reaching out to me via phone, email, mail, or any consumer reporting agency/third party reporting agencies. This means that all consumer reporting agencies must be notified immediately and all reports on my consumer profile must be eliminated effective receipt of this official notice. This means stop harassing me via phone, email, mail, or any other method used to harass and extort me!
Product: Debt collection

I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.
Product: Credit card or prepaid card

All my GA UI Covid benefits were stolen off mybWay2go from GA DOL. I have filed several fraud complaints with GADOL, IRS, FEMA disaster fraud but have not been able to recover any of the funds. I spoke on the phone with DOL and the issuer of the card, however my situation has not been resolved after a year of continues complaints online and on the phone. The card is FDIC insured which I would assume would refund the lost funds, while waiting for GADOL to investigate. I need help in order to successfully recover the {$18000.00} stolen from me using my Way2go from the GADOL. My previous attempts and complaints have been unsuccessful at resolving this matter and recovering the funds. I need to know who to contact an what steps I need to take in order to get my money back.
Product: Credit card

I made a purchase through a vendor online using my capital one card. 

2 purchases - 1 for {$150.00} 1 for {$45.00} The purchases were for autographs from former major league baseball players in which I had to send my own item.

There should have been 5 total signed items received.

During the dispute, the vendor confirmed that he had only sent 1 item and that he owes me the remaining money. The 1 item sent was also damaged as to his own admission in the attached files below. The other items STILL SAY UNFULFILLED ON THE VENDORS WEBSITE. 

CAPITAL ONE STILL SIDED WITH THE VENDOR ON THE CLAIM. I mean, how negligent can you be? You are literally told that 1 part of 1 of 2 orders is fulfilled. It's asinine to me that your judgment would then be that I'm responsible for the charge and not the vendor. 

I will make sure I post this on all of my socials and tell every person I know what a sham Capital One is and how little they care about their customers. The whole situation has been nothing but aggravating and this was an easily fixable issue. 

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

I have unauthorized credit inquiries on my credit report as the result of identity fraud. The companies that summitted inquiries and the dates they submitted inquiries are listed below. 

Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings. Let me do the recap that this present complaint was for the follow up of my latest complaint of finding myself as a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than XXXX business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to file a formal complaint against Equifax regarding their handling of my credit reporting disputes related to an account with XXXX XXXX XXXX XXXX XXXX 

I have received XXXX responses from Equifax, both of which I find unsatisfactory and uninformative regarding the discrepancies I reported. 

XXXX. **First Response** : This response acknowledged my previous disputes but did not clarify the status or resolution of those disputes. It failed to provide sufficient detail about the actions being taken. 

XXXX. **Second Response** : In this response, Equifax stated that they verified the account as belonging to me and mentioned that certain fields had been modified. However, it also stated that the disputed item is not currently reflected on my credit file. This lack of clarity raises concerns, as it does not address whether the inaccuracies persist or if they are merely not displayed at this time. 

The continued confusion surrounding this account information is damaging to my creditworthiness and financial stability. I have attached all relevant supporting documentation, including my previous communications with Equifax, to substantiate my claims. 

I request that both the CFPB and FTC investigate Equifax 's practices concerning this matter and ensure compliance with regulations governing fair credit reporting. 

Thank you for your attention to this pressing issue. I look forward to your prompt response and action regarding my complaint. 

Sincerely,