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

I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau.

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations.

Ive included copies of identification as well as a copy of a bank statement for identity verification purposes.

Thank you for your prompt attention in resolving this matter. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX and did not have a contract with LVNV FUNDING LLC. They did not provide me with the original application or anything I signed with them.
Product: Credit card

I called XXXX in XXXX XXXX to have my credit limit capped at {$2500.00}. The representative told me this was done and the most that could be charged on the card is {$2500.00}. The limit however was never changed and remained {$10000.00}. My son was an authorized user and charged {$10000.00} on this card. I called XXXX several times as they record all the conversations with representatives. I spoke with XXXX supervisors and a team leader and no one got back to me about the telephone conversation in XXXX All this is noted on my account in their system. I am not disputing the charges, although this would never have happened if they did as I instructed. XXXX supervisor, XXXX who is located in XXXX, said she would listen to the tape and get back to me. she never did. I called two more times and no one would tell me what I was when I called back in XXXX XXXX. I am seeking a reimbursement of interest charges totaling {$1000.00}. All the interest that was charged after I called them to reduce the credit limit. I closed the account by paying off the balance of approx. {$9800.00} on XXXX/XXXX/XXXX conf XXXX to stop the interest from accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on DISCOVER BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX OF XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX # XXXX XX/XX/XXXX -- {$610XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00}
Product: Checking or savings account

On XX/XX/year>, I accessed my account to see if a check ( {$3900.00} ) I had deposited in good faith had cleared. I discovered the check was pending but my account had been debited for the amount of check which was determined to be fraudulent unbeknownst to me and caused that account to be XXXX XXXXXXXX in the red. I called the bank fraud department to discuss the check and my account disposition in light of the check and we determined the fraudulent check was the cause of the overdraft and it would correct itself when the check was removed. Later that dayXXXX I was at the grocery store, and received a text msg notifying me that my login had been disabled. I was in the check out line and I was made a spectacle of in the check out line because my card was closed without any notification. I called the bank and the associate said the bank was investigating my account. I then asked to speak to the supervisor and we had a heated conversation. She told me she was unable to give me any information about the investigation, or what the purpose of the investigation, that it would take two days to investigate, and she couldn't tell me what they're looking for. My account has been inaccessible for 4 days. They've audited my normal transactions meticulously, but I had to basically force them to look at the supporting evidence of me being the victim of an elaborate advertising scam. They've paid little attention to it and have continued to pursue this as criminal conduct on my part instead of partnering with me as a victim of scammers and pursuing the perpetrators of this scam. As an example ; I was scammed by an XXXX ad for XXXX, I asked them to block the payment to XXXX as they were not mentioned in the ad hence they were being fraudulent, they stopped the payment but did not and have not taken action to stop these perpetrators. XXXX actions are capricious and vindictive. Their investigations seem unfocused and without objective except to harass the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}
Product: Debt collection

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. 

pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed.

As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Product: Checking or savings account

After a failed attempt to transfer {$500.00} from my online savings account with Marcus Goldman Sachs to my personal checking account, I was advised to call their support team. On XX/XX/2024, I contacted Marcus Goldman Sachs and encountered difficulties with account authentication. I answered the first verification question but needed clarification on the second question, which asked, " What are the names of the tolls near your home? '' Since the tolls near my residence do not have names, I was unable to understand the question. 

The operator was unable to provide clarification and instructed me not to guess. As I was at work, I requested to call back later. Upon my return call, I discovered that my account had been placed on hold. 

I was informed that I would need to receive a verification form by mail, which would take XXXX business days. I expressed my concern about the length of this process given the misunderstanding regarding the verification question. The operator assured me that a manager would follow up with me, but I never received a call. 

As of XX/XX/2024, after speaking with XXXX operators and XXXX supervisors, I was told that my account could not be verified with the phone number or drivers license I have on file because I am currently in Florida. With over {$6000.00} in my Marcus Goldman Sachs account, I am facing a significant financial crisis due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several Occasion in XX/XX/2019 and XX/XX/2019 to get my mortgage company to report to the three credit agencys. They said they cant and to would look into it. I filed for bankruptcy in spring 2019 but reaffirmed my mortgage and paid like I should have. The mortgage was not included into my bankruptcy. I cant get US bank to report my payments. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old XXXX account showing on my Experian report that should have been removed. The date of default was XX/XX/XXXX, and it was sent to XXXX XXXX for Collection and then settled in XX/XX/XXXX and I have documentation of that transaction. I live in NY and it is my understanding that there is a 5 year purge rule for paid collections/charge offs. I have unsuccessfully tried to have it removed by calling Experian, XXXX, and XXXX XXXX. A couple of days ago XXXX dropped off my report, but the XXXX is still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are Experian, XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiry Acct Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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.

15 USC 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 7 years 1
5 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: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I have not authorized no one to open a Bank of America credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Product: Money transfer, virtual currency, or money service

would like to bring your attention to a serious issue I have with COINBASE wires that first took place on XXXX of XXXX XXXX have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP I would also like to point out that on XXXX XX/XX/2019 - I filed a dispute with COINBASE. 

COINBASE 's response was to TOTALLY IGNORE their responsibility they did not even provide a formal answer to my complain, they simply sent an automated email that the case is closed.
Product: Checking or savings account

My phone got stolen with my banks cards In it and whoever stole my phone was transferring my money off my XXXX into my bank account and taking the money off. When I filed a dispute with my bank, they said it was nothing they can do they don't see anything fraud on my account so I can't get my money remeburised.
Product: Checking or savings account

This is a follow up to : Closed on XX/XX/2023. 

XXXX Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to give you exceptional service and we are sorry if we fell short when you contacted us. Protecting the information of our customers is one of our top priorities. We only release it to a signer or owner of the account. In order to assist you with the funds of {$5200.00}, please provide us with either an Affidavit of Entitlement to Estate less than {$25000.00} or Letter of Administration and the county must provide a letter on their department letterhead for our review. The documents that you provided are not acceptable to complete your request of releasing the funds to you. We decline your request for any additional compensation because there was no bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by Equifax Credit Information Services INC . In addition, I also have not even been able to access my report from this company. This all has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : 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 have a XXXX yr CD that has reached maturity with Synchrony Bank and they are telling me they have a policy that will take XXXX or XXXX business days in order to DECIDE whether or not to honor my REQUEST to get my funds sent back to my XXXX bank account via XXXX transfer. Then it will take XXXX XXXX days for the XXXX transfer ... yikes! 

I have read online that Synchrony is under investigation for false claims and " flagging '' CD accounts as FRAUD in order to keep people 's money for months ... interest free ... instead of returning people 's money to them... 

I called CFPB about this and was told to call XXXX Rules which I did. THEY told me to call FDIC, which I did and was told to call CFPB! 

So, I don't know what to do. There doesn't seem to be any kind of XXXX XXXX or tracking of XXXX transfers, and I am afraid my account still shows that it is in the grace period and not closed and NOT on its way back to me! 

This scares me because this money IS my retirement!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX I am writing to formally demand that you cease all collection activities regarding an account that was fraudulently opened in my name. I have already provided your company with the necessary documentation proving that this account was opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 
15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be XXXX  and XXXX  that they could not remove the inquiries.
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX  to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

AMEX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX Ct, XXXX NC - XXXX - XXXX Credit Bureau ( XXXX ) Involved : -Credit Bureau ( s ) : XXXX XXXX Experian, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : XXXX. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX XXXX account number XXXX is inaccurately reported a open account on my XXXX and Experian report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and Experian Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and Experian XXXX Charge off and XXXX XXXX 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to XXXX XXXX Experian XXXX and XXXX XXXX XX/XX/XXXX. 

- Experian, XXXX and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax placed an extended fraud alert on my credit report without my permission. 

I " NEVER '' made the request for them to do so, I " NEVER : sent them a police report or any other document ( s ) stating that I was a victim of Identity theft or credit fraud. 

This is an on-going issue with Equifax! 

The last time it happen was in XX/XX/2020, and I was told by and Equifax rep that Experian told them to do it. 

These behaviors are unacceptable and i demand something be done!.