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

I have previously disputed several accounts with the credit bureau for inaccurate reporting and because I had no knowledge of these accounts appearing on my credit report. Despite this, the credit bureau sent me a report stating that these accounts were verified. However, I have already disputed these same accounts through the CFPB, and none of them were able to verify the debt. I am confused as to how the credit bureau can now claim that the accounts have been verified. 

Given the credit bureau 's incompetence in handling this matter, I am requesting a thorough investigation. I have attached copies of my FTC report, a police report, my identification, and proof of address to support my case. Before I proceed with seeking legal representation against the credit bureau, I want this matter resolved properly. 

Below is a list of the accounts I believe to be fraudulent and in violation : 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 XXXXXXXX Amount : {$220.00} XXXX. Company/Organization : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$310.00} I am looking forward to a proper resolution to this issue.
Product: Checking or savings account

My wallet was stolen at XXXX XXXX XXXX after whining a handpay. The tax form from winning the handpay was in my purse along with {$3700.00} cash XXXX debit cards my license, phone and number and virtual wallet. Ive submitted a police report and if theft report and official letter and they denied my claims.
Product: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

The company by the name of XXXX XXXX XXXX have been calling my home 7 times per day every day even on XXXX  even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient calls upwards of 6 times a day. Ive explained that I can not pay the {$1500.00} a month they would like. I offer to make payments, Ive even set up 15 months of payments which mysteriously stop and then they begin the calling again. 

Ive been paying for nearly 12 years and my balance has actually increased. The university as well as Sallie Mae ( original lender ) used deceptive practices to encourage me on the loans.
Product: Credit reporting or other personal consumer reports

XXXX Is this complaint ever going to be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. please help me.
Product: Credit reporting or other personal consumer reports

according to my credit report XXXX cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking XXXX to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA Experian XXXX and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, TransUnion, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
Product: Credit card or prepaid card

I have had a Sears Mastercard since XX/XX/XXXX. Back in XX/XX/XXXX or XX/XX/XXXX of this year, I added my boyfriend on my account as an authorized user. Prior to doing so, I called customer service to verify how the process works because I did not want to tie my boyfriend to my address because he does not live there. I was advised the card would be in his name but would be sent with my name on the envelope and because they don't take any other personal information besides the name, it wouldn't affect his credit reports or attach him to my address. Yesterday, I received a pre-approval letter in the mail from XXXX XXXX with my boyfriend 's name on it. I immediately contacted Sears customer service about their privacy policy as it states they do not sell your information and spoke with an account manager.  She told me to prove it was then and hung up on me. I DID NOT AUTHORIZE for Sears to sell my information used to conduct business with Citibank to another credit card company they're not affiliated with. This is a strict violation of their privacy policy. Sears is the ONLY company ever to associate my boyfriend 's name with my address. He has not been added to any other credit card, all the utilities are in my name at my house so there is no other way to tie him to me besides adding him as an authorized user on my card.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

On numerous occasions I have receive a new credit card because of a supposed data breach. Because I use these credit cards to automatically pay bills I must, once again, fill out new information pertaining to the new card. I called Bank of America and XXXX attempting to find out what merchant, on line, in store, had the breach so as a consumer I can discontinue doing business with them with that merchant. After spending one hour speaking with Bank of America, XXXX and then once again Bank of America I am informed that because this is an on going investigation no one has that information. Apparently It is the law. A representative of Bank of America guaranteed me that a breech from this merchant would not happen again. Of course that is a lie. The only way to prevent this happening again is to stop conducting business with this merchant. Problem is know one seems to know. When is this information provided to the consumer?? Help
Product: Debt collection

On XX/XX/XXXX I sent a complaint to XXXX XXXX in reference to a collection account being reported on my credit file. The original complaint was because they started reporting this account on my credit file without giving me a DV. XXXX responded to the complaint via CFPB stating that this was the 1st they heard from, and never acknowledged that a DV was ever sent to me, because IT WASN'T. I then sent a response to XXXX XXXX on XX/XX/XXXX via certified mail, requesting proof that the said account was mine. 2 months later and I still have not received a response from XXXX XXXX. I included proof from the USPS that the certified letter was delivered and its been over 30days and they have not responded or verified proof of ownership. 
Yet again, XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am now demanding a description of the procedure used to determine the accuracy and completeness of the information being reported. Additionally, I'm asking to be provided with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

1655783.1.2
Product: Credit card or prepaid card

This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Product: Debt collection

XXXX XXXX XXXX  Appears on my credit report as a COLLECTIONS AGENCY for two SYNCHRONY BANK accounts with balances of {$2300.00} and {$380.00}, respectively. 

AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to SYNCHRONY BANK to disclose not XXXX XXXX XXXXXXXX to request my information. Protected under privacy act of 1974 and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given.

This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 

15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. 

in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Equifax is listing an account on my credit file from the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX that belongs to someone else. This account is not mine. Equifax keeps stating that they verified that this account is mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full onXX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXXXXXX XXXX # XXXX This is not my account. I did not authorize this account to be on my credit file.
Product: Credit card

My account with Best Buy ( CitiBank ) XXXX XXXX XXXX XXXX has been closed for some time. In error on XX/XX/XXXX a payment was sent to Best Buy from my XXXX Checking account in the amount of {$550.00}. Despite the account being closed, CitiBank cashed the check on XX/XX/XXXX. 

When this error was noticed, i attempted to contact CitiBank to see how a refund could be processed. My first call took XXXX minutes to get through the " automated '' system to a human. After explaining the situation I was told that they could not locate my account and I would be transferred to the " fraud '' team. I was transferred back to the " automated '' system and hung up in frustration. 

On XX/XX/XXXX I attempted to contact CitiBank again. After fighting through the " automated '' system again I reached a human who again informed me that she could not locate my account using the account number, phone number, or my social security number. She then informed me that I needed to file a dispute with my bank ( which has now been done ). I asked to speak with the Fraud team and was told that since there was no account that they could locate that the Fraud team would not answer the transfer. I asked what happens when they receive money that they can not apply to an account and I was told that they would not cash the check and would return it. Upon advising them that I was looking at the cancelled check, I was again told an account could not be located and that I would get no further assistance. 

XXXX took my call immediately and will be filing a dispute on my behalf. The sheer lack of concern or customer service exhibited by CitiBank is alarming. Automation is vital to any big business but there has to be the ability to interact with an intelligent human being.