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

XXXX XXXX XXXX Casino XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : TD AUTO FIN | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX  XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information. This is in direct violation of the FAIR CREDIT REPORTING ACT 605B, 611, 609, AND US CODE 1681B
Product: Credit reporting or other personal consumer reports

The late payments shown here dont align with how I usually manage my payments, so I need the account to show the correct information.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES ( XXXX XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XXXX  ] PORTFOLIO RECOVERY ASSOCIATES RE : Formal Dispute of Debt Request for Validation and 1099-A Original Creditor : XXXX XXXX XXXX  XXXX, XXXX. 
Account Balance : {$410.00} Balance Updated : XX/XX/year> Dear PORTFOLIO RECOVERY ASSOCIATES, I am writing to formally dispute the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ). I request immediate validation of this debt, including : Full proof of ownership of the debt, including a copy of the original agreement with XXXX XXXX XXXX  XXXX, XXXX. 
An itemized statement showing how the amount of {$410.00} was calculated. 
Confirmation if this debt has been canceled or forgiven, along with IRS Form 1099-A if applicable. 
Any attempt to collect this debt without proper validation constitutes a violation of federal law. I also request that you cease all collection efforts, including credit reporting, until my request has been satisfied. 

Please respond in writing within 30 days. Failure to comply will result in formal complaints filed with regulatory agencies. 

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

I have contacted this company numerous times informing them that I am a victim of identity theft. Not only did I request a Fraud Alert to be placed on all 3 credit reports, but I also froze my credit reports, filed a complaint with the Federal Trade Commission and Filed a police report. I sent them copies of all of this. I received a generic response each time saying that the debt was validated. This is impossible. So now, I am writing to request the method of verification for this item : XXXX - XXXX   XXXX  - Opened XX/XX/17 - {$22000.00} Balance
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I dispute the listed inquiries on my credit report as they do not have my authorization, violating Section 604. I request an immediate removal of these inquiries. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union continues to violate my consumer rights by reporting inaccurate information on my credit report that is miss leading information that is hurting me for establishing credit or buy a home or even a car. According to FCRA section 605B it is illegal to report any information to a credit file without my permission and Trans Union continues to violate the FCRA and I have proof that they are doing just. I have and account from XXXX XXXXXXXX XXXX that has been deleted off my credit file but continuing to be re inserted and said that it has been verified which I show the bureaus have deleted this information. I have proof down below.
Product: Checking or savings account

I have moved from the USA to XXXX  in XX/XX/XXXX but did not close the personal account held with Bank of America as my employer had plans of sending me back in couple of years. All was going well so far. 
During first week of XX/XX/XXXX, I updated my mailing address to my current address in XXXX  and received a renewed credit card from the Bank. A week later I tried to update my primary address after logging into my bank mobile app and which I was able to do successfully but moments later my account got locked and I was unable to login as system suspected that it may be a fraudulent activity. 
Called the Fraud department of the bank on XXXX XX/XX/XXXX and I was asked to provide a phone number from the States to verify my identity by sending code. As I am no longer using any number from the States so that option failed, next thing I was told that a reference code will be sent to my address after receiving which I need to call back. 
On XXXX XX/XX/XXXX, spoke to a representative over phone from fraud department but the person did not share any information whatsoever about the address where I am supposed to receive the reference code. Again, on XXXX XX/XX/XXXX, spoke to one more representative over phone but this time I was informed that it is the primary address in the USA where the reference code was sent on XXXX XX/XX/XXXX. Having informed that I no longer live there as it was a rented apartment, so requested to resend the code to the mailing address updated with the bank but the request was denied, and the representative repeatedly told me during our conversation that I need to visit the nearest Bank of America branch with 2 proof of identity to get the account unlocked. I made my situation known that I can not travel back to the States as I no longer hold a valid visa. But all I get in reply is, it is the ONLY option available to me to get help. I am in need of the funds but can not do anything to get the issue resolved while I am in XXXX. Please advise and help!!!
Product: Credit card or prepaid card

1026.13 ( e ) states Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. <P/>USAA states that after a year of finalizing the billing dispute they received new information and reversed the previous decision and credits. 1. ) USAA has not mailed an explanation setting forth the reasons for their belief the billing error stated is incorrect. 2 ) USAA has failed to furnish copies of documentary evidence of my indebtedness, despite my many requests these past few months. 3. ) Provide current statements reflecting the reversal of charges identifying them so they may be verified.
4. ) States because I have rewards accounts with several of the companies charges where made with I am responsible. Currently, I have elite status with the following hotel chains : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and all branch and subsidiary properties of each chain. That 's the majority of hotels in North America. Stating I am responsible for a charge at one of these hotels simply because I have status at the hotel in no way proves my liability. Especially seeing as I hold rewards accounts at so many hotels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
Product: Credit card

I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve line
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a settlement letter to Macy 's, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from Macy 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( XXXX, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the Macy account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. XXXX   has honored my request, and therefore I will need to file a complaint against XXXX  and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.
Product: Debt collection

I recently discovered that I am a victim of identity theft. I have lived and worked in XXXX for XXXX XXXX years, however a utility account in XXXX  was opened in my name. The debt collector is named L J ROSS ASSOC and the utility appears to be XXXX XXXX XXXX. I have never had electric service with XXXX XXXX. I can provide contact information for my landlord in XXXX XXXX and employer who can attest to the fact that I do not live in XXXX and have not for years. I did not authorize any third party to open a utility account in my name.
Product: Checking or savings account

I had several fraudulent charges post to my account beginning on XX/XX/year>. US Bank alerted me to one of the charges and I contacted their fraud department immediately. I filed the appropriate fraud claims on the same day. 
I have checked on the status of the claim every day with US Bank since reporting and each time I've been advised differently. One representative issued me provisional credit and the next day that credit vanished and I was again in a negative balance as a result of the fraudulent charges. The next day, another representative told me that the case manager is working on m claim and has approved the provisional credit which would post that day or the following day. That never happened. I called again this morning and the representative told me I had to wait for the fraud charges to post before US Bank could do anything. I was looking at my statement on line while I was speaking with the representative and those fraudulent charges were CLEARLY already posted and NOT in the pending section. The representative ( and her supervisor ) were unable to provide any type of definitive information. I have lost faith in US Bank being able to provide accurate and timely assistance to me and am seeking support with this matter from CFPB.
Product: Debt collection

Portfolio recovery is a third party company that brought the debt from XXXX XXXXXXXX. The XXXX XXXXXXXX credit card limit was XXXX. This information was reported to XXXX and XXXX and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, portfolio recovery is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I file for Bankruptcy. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX and PREFERRED LEASE XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This is identity theft. They stole & furnished my information without written consent.
Product: Credit card

My credit card company closed my account after payment was not released by my bank even though the money was in the account the day the account was supposed to be charged. I received direct deposit from my job, and the bank did not release the funds to the credit card company. As a result of too many times this occurred, although I communicated with both my bank and the credit card company, my credit card was closed.
Product: Debt collection

Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. 

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

XX/XX/XXXX Original balance {$17000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Payment summary The balance should be XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Experians Non-Compliance with Identity Theft Block Requests Dear Sir/Madam, I am writing to formally file a complaint against Experian for their continued failure to block fraudulent information from my credit report, despite my submission of multiple identity theft block requests. This ongoing issue has caused significant distress and inconvenience, as Experian has consistently denied my requests even though I have provided all the required information as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details of My Complaint 1. Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my drivers license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past two years.

A Federal Trade Commission ( FTC ) Identity Theft Affidavit.

A police report confirming the identity theft.

2. Denied Requests : Despite providing the above documents, Experian has denied my requests to block fraudulent information. Instead, they have treated my block requests as disputes and returned them as verified without any context or proof that the debts belong to me. 
3. Improper Verification Process : Experian has failed to conduct proper investigations. For instance, certain accounts listed on my report were verified by Experian, even though the respective creditors had already confirmed with me that they requested the information to be removed. It has taken several resubmissions by the creditors for Experian to finally remove the information, which is not in accordance with the law. 

Accounts in Question The fraudulent accounts that need to be blocked are : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) Experians actions violate several provisions of the FCRA, including but not limited to : 1. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

2. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

3. Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information.

Request for Immediate Action I respectfully request that Experian : 1. Block all fraudulent information from my credit report as required by law.

2. Provide written confirmation that the fraudulent accounts have been blocked.

3. Cease any further reporting of these fraudulent accounts to all credit reporting agencies.

I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX