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

I requested a method of verification to Equifax about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to Equifax, and XXXX showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both Equifax and XXXX how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. Equifax sent me back a response on XX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX I called First Progress to ask why they put a delinquent note on my credit report. They say that they will erase it, but they didn't. That is hurting my credit score. 
The number I called is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 31 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion on XX/XX/XXXX stating that the account XXXX XXXX was past seven years from first date of delinquency. Transunion response was that my dispute was unspecified. My first date of delinquency is XX/XX/XXXX. Transunion removed part of my payment history from XXXX. Transunion has violated my consumer rights. Transunion has violated 1681c ( 5 ) and 1681 ( a ) ( 1 ).
Product: Credit card

on XX/XX/2023 around XXXX Denefits billing start texting and calling me they ask me can they charge my card I said no but they went ahead and charge my debit card
Product: Credit reporting or other personal consumer reports

I am concerned that XXXX, XXXX and Equifax are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX and currently now have XXXX credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my XXXX score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for 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 card or prepaid card

i have a SuperFleet Commercial card and the fees are outrageous. This has happened multiple times and it really should stop for the consumers. This card has transitioned to so many different credit companies over the past several years. I believe the creditor now is Comdata. I have had this card for my small business for ~20 years. A phone assisted payment is {$15.00}, the late fees are 11.25 % of the balance which for me equaled to a {$280.00} charged on XX/XX/XXXX.. I called the company to request a late fee refund, however was declined. I was late by 4 days, but that amount seems too excessive to not have the CFPB look into. My due date was XX/XX/XXXX and it was paid on XX/XX/XXXX. Please help stop this madness. 

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

Experian requires documentation to be mailed to them to unfreeze my credit report because I can not find the original code number I was given several years ago. They claim they will unfreeze the report within 3 days after receiving documents ( that could be 5 or 6 days ). Why can't they accept a scan of the documents by email to speed up the process? That seems safer than mailing which can easily be stolen. Many financial companies use a series of questions that only the consumer would be able to answer to verify identity. Experian seems to operate with rules that are convenient for them, not for the consumer, and not as fraud proof as they think. 
I am relying on CFPB to force them to upgrade to smarter, safer, more consumer friendly rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

First, I never received paperwork for court date/ garnishment. I learned of my debt from my manager a week before my checks started to be garnished. He gave me a copy with their contact information. Stenger & Stenger P.C. So on XX/XX/XXXX I called them to see exactly what I was being garnished for. The lady had all my personal information correct except the year of my birthday. She said the debt was from a credit card and the amount was {$4500.00}. I told her I have never had a credit card! So she sent me to the disputing line. Gave that person all my information and they told me it could take several weeks. I called back the next week to get a update but they had no information on the dispute. So I waited a month and called back. This time I asked more questions. What company did they get my case from? what it was for again? Dates? This lady had a whole other story. It was for a car loan and the amount owed was XXXX. Gave me the previous companies name. XXXX XXXX XXXX XXXX. I gave them a call. They never heard of me and informed me they were a credit union no debt collector. Frustrated I, called Stenger & Stenger back. This time I asked they lady to just simply tell me what I'm being garnished for. All she could see was a personal loan in the amount of {$8000.00} and legal fees all XXXX. So I still have no idea what I'm paying off and its been nearly 4 months.
Product: Debt collection

Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged debt.
Product: Credit card or prepaid card

I tried to use my pre-paid on XX/XX/XXXX and it was declined I called the company and was informed that my account was frozen because my account been compromised. I found that someone from their bank had sent a new card out to someone claiming to be me in the mail and when said person received the card they took out {$900.00} from my account.The employee never asked the person on the phone for any sort of ID and sent the card to an address in Massachusetts I live in Pennsylvania and my address is on account.Now they want me to verify that I am me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any XXXX credit card I already contact them and told them i never applied with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report.

The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX ] ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within XXXX business days. 
In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit card

Discover credit card was compromised and fraudulently used through XXXX that neither me or wife made, nor did we authorize. Made a report with Discover in XXXX XXXX and immediately they did as they should have and reversed the charges. A month later, without any notification or explanation at all, Discover decided to not reverse the charges and make us liable. We have been trying to call Discover to appeal this for over a month now, constantly leaving voicemail messages every couple of days as instructed by their representatives for appeals to no avail. They refuse to call us back. Only today, XXXX when i called and made threats to sue them in court did they finally give us someone to speak to who simply told us that they would not honor the Federal Fair Credit Billing Act and give us zero liability or only hold us liable for {$50.00} as the Federal law states. We were told Discover could clearly see it was fraud but because we didn't report the fraud in a timely manner to their satisfaction. They were holding us liable, and they didn't care who I reported them to and didn't care if I sued them in small claims court. Even when I tried to explain to them that it took awhile for my wife to realize it was fraud because she was assuming that it was I, who was making these charges on our card. Discover still didn't care!
Product: Checking or savings account

On XXXX XXXX I deposited my lottery check for XXXX from ca lottery in XXXX to my Citibank account on XXXX. I was told it would be ready the next day. It was not. I called the bank and they said my account is frozen. I contacted the fraud department and they said my check is invalid and they will not cash it. I asked for my check back or my cash and was denied my check or my funds.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i received incorrect and defective item from a merchant and the merchant is unwilling to resolve the issue and paypal is of no help either
Product: Debt collection

XX/XX/2020 {$120.00} Also another amount of {$1700.00} company name : Dynamic Recovery Solutions The fraud being reported on my credit report FDCPA Section 807 Violation misleading false reporting this account is inaccurate and I'm seeking litigation. please delete it at once.
Product: Credit card or prepaid card

Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest. 

When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here? 

I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Capital One Account XXXX and XX/XX/year> are reporting late payment history, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. 

I disputed with the company directly, but they didnt respond.
Product: Credit card

I placed an order for a XXXX  XXXX XXXXnder transmission and never received it. Once realizing I was scammed, I disputed it with my credit card company and from their discovery they found that the company mailed a priority USPS envelope to show " proof '' of transmission delivery. First off, the Transmission never came and how does one send a couple pound transmission via a XXXX priority envelope? 

Secondly, the XXXX regarding the complaint I filled ( C # XXXX ) came back with the result stating that the XXXX destination was not even my mailing address of XXXX XXXX XXXX. The XXXX tracking number is XXXX. 

I submitted all the proof and documents to Synchrony Bank and they are still not refunding this scam. This has been going on for the past couple of months, attached is all the supporting documents for your review.