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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations UPSTXXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS JEFFCAPSYS Account Number : XXXX Delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've emailed LrexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and today. I have provided them with all my personal information and nothing has changed. This is the company below. 

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, XXXX # XXXX, Equifax # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020 I used my Citi Diamond Preferred Mastercard to purchase an all inclusive trip to XXXX, XXXX with XXXX. XXXX  ceased operations on XX/XX/XXXX of 2020 and informed customers that they would NOT be issuing refunds to customers, and that we must contact our banks or credit card companies to seek refunds. On XX/XX/2020 I disputed the charge of {$3100.00} with Citi under " Goods/Services Never Received. Initially Citi issued me a temporary credit to the card and claim they contacted XXXX regarding my dispute. On XX/XX/2020, Citi reversed my temporary credit and reissued the charge to my account. Citi stated that XXXX informed them that they had already issued me a refund, which is absolutely false. XXXX has lied to all card companies and banks and said they issued refunds to costumers, when in fact I have an email from XXXX stating that they would NOT be issuing refunds. I passed this documentation to Citi and they still sided with bookit.com. It has been well documented that XXXX has done this same thing to thousands of customers throughout the world. The Florida Attorney General and the XXXX XXXX Police Department are actively investigating XXXX for these actions. I belong to a XXXX Group titled XXXX Scammed By XXXX ''.   This group has thousands of members since XXXX of this year all with similar complaints. 
Through this XXXX group I have learned that Citi seems to be the worst credit card company about properly refunding their customers. On XXXX, 2020, I refiled the dispute with Citi and submitted documentation PROVING my case. Citi responded on XX/XX/2020 issuing another temporary credit to my account. However, they are giving XXXX until XX/XX/2020 to respond. I have no reason to believe that XXXX won't lie once again and say that they have refunded me when they in fact haven't. XXXX has been doing this over and over to all the other customers that I've met on the aforementioned XXXX Group. I also believe that Citi will once again rule against my dispute despite my providing documentation proving I am in the right. It seems apparent to me through mine, and numerous other Citi customers ' experiences with them, that Citi is trying everything they can to deny refunding their customers by dragging this out to the point where people give up trying to get their hard earned money back. I find it unacceptable that Citi hasn't yet provided me with a full permanent credit. It is my hope that you can somehow help myself and numerous other citi customers get back what is theirs. Please feel free to go to the above mentioned XXXX group and investigate for yourselves.
Product: Prepaid card

On monday XX/XX/XXXX my employer in Oregon purchased an American express gift card for {$250.00} for my anniversary. I received it in Washington on XX/XX/XXXX and on the XXXX I activated the card on the the website. It showed activated for the amount of {$250.00}. Later that day I went grocery shopping and my purchase total was {$220.00}. I swiped the card and it declined. Tried again and it declined. I was at self chrck out so the cashier told me to try up front with her. It declined again. I checked online and it showed my gift card being declined. I called customer service and was told that because I tried so many times it was flagged as fraud. This is the dumbest thing I have ever heard. How are you supposed to use it if it's going to get marked as fraud it's a gift card she also told me it was suspicious because it was bought in Oregon and used in Washington. Again this is a gift card. I had to file a claim and it has to be reviewed then I MIGHT get a replacement gift card. I want to be able to use my {$250.00} that my employer paid for. What if the next card does the same thing this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just after the XXXX  credit breach last year I attempted to freeze my credit with the three credit reporting agencies. I could not reach Experian, and through a third site, XXXX, I arranged to have my credit frozen at Experian. I thought this was a one time charge, but now realize I am being charged {$24.00} on a recurring basis. I have now three times attempted to contact Experian to cancel whatever program they have put me in. Each time I go on the Experian website, which does not allow you to cancel their memberships, but instead provides a number to call at Experian to cancel. Each time Experian is contacted at that number you are given the time one must wait to obtain an operator. In my case it has repeatedly been two hours. Usually, I am not in a position to stay on hold for two hours. Today, I stayed on hold two hours waiting for customer service only to be disconnected just at the two hour mark. I called back and was told there would be a two hour wait. I believe Experian is using this tactic to prevent customers from cancelling their Memberships.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX Trustee/To whom it concerns, I am writing to dispute the following information in my file. 

Account Name : LVNV Funding LLC Account Number : XXXX Reason for Dispute : The following documents nor notice were not provided pertaining to the chosen action of this account : XXXX. Copies of any contracts, agreements, or instruments related to the chosen action. 

XXXX. Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 

XXXX. Information on any legal actions, claims, or disputes associated with the chosen action including court filings, judgments, and settlements. 

XXXX. Correspondents and communications that relate to chosen action. 

XXXX. Any other documents or records that provide insights into the nature, ownership, or status of action choices. 

According to the Consumer Financial Protection Bureau ( CFPB ) the following steps must be taken before reporting to a XXXX XXXX XXXX ( CRA ) : Speak to person by telephone Mail a letter or send electronic communication about the debt Prior to XX/XX/year> when this account was reported on my credit report, no form of initial communication was received nor written notice within the XXXX days of the initial communication in attempts to collect on a debt, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have no wet signature with or signed contract agreement with LVNV Funding LLC for this account, so I do not acknowledge or recognize this account as mine and consider this identity theft. I never sent LVNV Funding LLC any written notice with consent to report this account on my credit report. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, it's an obligation to ensure that any information that is reported to credit agencies is accurate. If you are reporting this alleged debt without proper validation, you are in violation of federal law. I demand that you immediately notify any credit reporting agencies to remove this disputed debt from my credit report. 

Thank you for your time and attention to this matter. Please investigate and correct the disputed items within 14 days. 

Sincerely, XXXX XXXX, XXXX
Product: Debt collection

AmSher Collection Services appears on my expiring credit report and is reporting inaccurate information about me. I have sent dispute letters to the credit bureaus and am requesting that AmSher produce a copy of the original contract to prove that a debt is owed. Simply producing monthly statements does not establish any sort of obligation. I am requesting that the CFPB investigate this matter further. I am represented by an attorney, no lawsuits have been filed. Please contact XXXX XXXX XXXX Esq. ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I enter my accounts online from my laptop, and I found out that were made XXXX XXXX XXXX that I did not authorized. 
On XX/XX/XXXX was added XXXX  XXXX with XXXX as a XXXX XXXX, and on that same day this person made a XXXX Transactions for XXXX $ and then another one for the same amount on XX/XX/XXXX. 
Then on XX/XX/XXXX, was added XXXX XXXX with XXXX as a XXXX XXXX, and on that same day made a XXXX XXXX for XXXX XXXX 
On XX/XX/XXXX, this same person added a new account with the number XXXX as a XXXX XXXX, and then on XX/XX/XXXX, made a XXXX XXXX for XXXX $ and another one on XX/XX/XXXX for the same amount XXXX XXXX 
This last transaction was still on processing according to what I saw when I went into my account that day, but even though I reported the claim, that transactions gone thru and the money was out on my account. 
This same person tries to made another XXXX transaction on XX/XX/XXXX, but because I did call and cancel all payments for my accounts and change my email associated to the XXXX XXXX, this transaction was stopped and did not go thru, thank XXXX. 

My Claim with the Bank has been rejected, the bank indicated that those transactions were made on a device consistent with previous valid account activity. 
I responded that I dont know how this person did it but those transactions were not authorized by me, That I never Added those accounts as XXXX XXXX and also that I had never done XXXX Transactions for those amounts, and in those transactions was not used the description line which I always use to describe for what and to whom the payment was for, and to have on my records, and when the Accounts were Added also they didnt use the Alias option which I always also use to facilitate searches and my records. 

Thereby because of all this information that I had given and explained, I would really appreciate all the support and help I can receive because that money is my lifesavings and it's not possible that someone can get into my accounts to make all these transactions that are clearly not my usual operations on the account and the bank just going to wash their hands giving me that response. 
I thank you in advance for your good offices, and I look forward to your prompt response. 
Best Regars.
Product: Credit card or prepaid card

RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number XXXXXXXX  Account name : XXXX XXXX  account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid an settlement offer to XXXX ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as XXXX XXXX. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my Experian credit report. XXXX XXXX reported XXXX for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to Experian just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this Credit Company is 40 points lower than the others because of this problem.
Product: Checking or savings account

Last year I began receiving notices from Truist Bank about a delinquent account that I did not open. The statements stated that my account was overdrawn by over {$10000.00}. Id reached out to Truist Bank and informed the representative that I spoke with that it was a fraudulent account and I was told the account had been closed and that it was being reported to credit agencies that it was fraudulent. To date, I am STILL currently receiving notices from Truist bank about this account and the account is still accruing debt because of maintenance fees being charged to me by the bank. I've spoken to a number of individuals, and I don't understand why this matter is yet to be resolved. This is issue has greatly impacted my credit and I am still confused as to how someone else was allowed to open an account in my name with no verification of identity.
Product: Debt collection

I am essencial work.I request my deferment and months later I found, US BANK REPORT AS A CHARGE OFF
Product: Credit reporting or other personal consumer reports

On XXXX, I sent a letter to your company informing you that there was an account missing from my credit report that should be reporting. The account is XXXX XXXX XXXX XXXXXXXX Authorized user ; Credit limit {$30000.00} ; Open date XX/XX/2021 ; Contact XXXX. This affecting my credit as you know by not having this opened account report to all 3 credit reporting agencies. XXXX is reporting this account, so I am confused why XXXX and Equifax have failed to update my consumer report. I am requesting that you please include the additional information attached to my credit history report. I am an authorized user on a XXXX XXXX XXXX for my family member and you are not reporting this information. You may verify this information with the source, and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history be added.
Product: Debt collection

First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!
Product: Credit reporting or other personal consumer reports

I received a letter from GC Services stating that they were attempting to collect a debt. I did not have an account with them. I sent them an affidavit swearing under penalty of perjury that I do not give them consent to report a debt. I noted FDCPA violations along with exhibits backing the violations in my claim. There is also an invoice for each violation in the letters I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands