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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

Under fair credit reporting act, I am being discriminated against because of age. 

Im being assessed as a minor, at least that what I have gathered based up the responses ive received.

I dispute the accuracy or completeness of the information.

Furthermore, an evaluation at the doc has declared me as an XXXX.
Product: Credit card

This dispute involves a vendor and a bank that handles the credit card billing. In the summer of XXXX, we discontinued our relationship with Dell Financial Services. We had been obtaining a subscription for XXXX XXXX XXXX through Dell Financial Services for two years but became frustrated with their " customer locker '' for ordering services, so we decided to purchase a new subscription directly from XXXX and opted not to renew through Dell for another year. But then in XX/XX/XXXX we began receiving bills from Dell issued through Comenity Capital Bank for {$69.00} for " subscription renewal. '' We refused to pay. Comenity began adding on late fees and other changes. The bill grew to {$170.00}. Comenity began calling us incessantly, every hour on the hour. We at first ignored the calls but then finally agreed to talk with them in XX/XX/XXXX and told them we disputed the charge. They said we had to contact the merchant, Dell Financial Services, to dispute the charge. We called Dell XX/XX/XXXX and told them that we did not order a subscription for another year of XXXX. They agreed that our balance should be XXXX. But when I called Comenity immediately after, they refused to go by what Dell said. They insisted we still owed the money. I became angry and terminated the conversation. On XXXX, we were speaking with a financial advisor who said that we should go ahead and pay the disputed amount so it wouldn't show as a delinquency in our credit report but then said we should immediately file a complaint with CFPB. We paid the bill XX/XX/XXXX and now our balance with Comenity is XXXX. I think part of the problem with Comenity is that they are based in XXXX and English is not their first language. And given the rudeness of the Comenity call center personnel and their absolute refusal to back down, I think there is a financial incentive for them to not resolve disputes and to collect on balances owed no matter what. I find their business practices to be unethical and perhaps even illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Headquarters.

American Express has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years.

American Express is reporting a Fraudulent in my name. 

I have disputed this multiples times with American Express. Three times through the CFPB.

Each time American Express 's staff said they would later reach out to myself for more information.

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the card from a XXXX XXXX XXXX. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of.

In addition, the CFPB has been allowing this to continue as I have read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further neglect from the CFPB concerning American Express 's abuse may result in us filing a case against the CFPB.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX XXXX XXXXXXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

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

XXXX XXXX and TransUnion continue to send letters saying they dont believe it is me submitting the disputes and refuse to investigate thoroughly this practice has been going on for on with my report for over a year. I need the disputes investigated and deleted if not thoroughly verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.
Product: Credit reporting or other personal consumer reports

we traded in a pickup truck that was financed through XXXX XXXX in XXXX XXXX XXXX. Per the dealership they paid XXXX XXXX off on XXXX XXXX with the dealer payment system. XXXX is reporting a 30 day late on this payment and it was not 30 days late. We always paid this account on time and were never late. They have yet to show proof to me that the payment was received outside 30 days late. The dealer pulled up their log and showed me where they submitted the payoff to XXXX XXXX on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My financial institution Netspend is not releasing my provisional credit. My account has been Fraudulently overtaken and the provisional credit has not been released. I am XXXX veteran and this was all that I have of monthly XXXX compensation.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed as by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX Account Number:XXXX XXXXXXXX Account NumberXXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX Account Number:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Number XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX  Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit card or prepaid card

I have American Express XXXX XXXX XXXX XXXX, the offer for my open the account is XXXX Points if I spend more than {$2000.00} in the first 3 months. 

And then I got an Email from American Express said " We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. " And from XXXX/XXXX/2017 to XXXX/XXXX/2017 I have {$1600.00} on the statement, {$110.00} on total balance now and {$2100.00} on pending. 

I used that card as usual and definitely will get the requirement of the open account offer soon, I do n't understand why American Express give me the rewards points before I meet the requirement and take the points back. 

I have tried to contact them to fix this problem, they told me the reason maybe is this I bought the fight ticket from XXXX and returned ( showed on my statement in attachment ), in fact, I have changed the travel plan and bought the ticket from " XXXX XXXX '' used the same card ( showed on screenshot of sending activities ). This is very usual consumer behavior for everyone!!! This is unfair treatment!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Product: Money transfer, virtual currency, or money service

Someone hacked my instagram and email and got access to my bank account stealing {$370.00} through XXXX. Chase JP Morgan denied the claim and didnt refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX  corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from XXXX XXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with XXXX, 1x with XXXX and 2x with Equifax I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.
Product: Debt collection

Performant and XXXX XXXX ( I read where they are the same company ) keep calling me about debts I do n't owe. Apparently they think I 'm responsible for recent debts my ex-wife ( that I 've been divorced from for 12 or 13 years ) has. Apparently she owes student debt and medical bills, I 'm not sure, I have n't even talked to her in years. I 've REPEATEDLY told them I 'm not her and to quit constantly calling me, I 've had to block their numbers. but they call from XXXX different numbers so far. XXXX was constantly calling too. And they sent a letter. I told them repeatedly that I had no way of contacting her nor did I know where she lives now. They only finally stopped calling after I threatened to file a claim with you twice and telling them to send documentation where it says I OWE. There was another company that called 3 or 4 times a day for a couple months until I repeatedly threatened on my part to report and sue them, ca n't remember their name. Here 's some of the numbers they use XXXX, XXXX, XXXX, XXXX. I 've deleted all the other numbers. I pay my debts, my credit score is XXXX, so it 's getting really frustrating dealing with these people bothering me about SOMEONE else 's debt. Now I 'm worried they 're going to report me to the credit people because I wo n't pay someone else 's debt. I ca n't afford a lawyer, but I am sick of getting calls from XXXX to XXXX several times a day almost every day. Thanks for any help you can give me. 
XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  my account was drained of all the money I had which was {$400.00}. The account was presumably hacked or I believe Chime had something to do with it. Usually I login with my Face ID and it unlocks the app right away however the app had logged me out of my account which was very odd and to see that there was a transfer of {$400.00} to a XXXX XXXX I was very sad and hurt to see this because I need to pay bills and use this money for food. I just wish that Chime does properly investigate my case and return my money because this was definitely a transaction that was not authorized.
Product: Credit card or prepaid card

XX/XX/2022 Citibank suddenly closed all 3 my citi credit cards.

All my cards are paid on time and meet the minimum requirements.

I communicated with their customer service. They said its their decision and refuse to give any details to me. Also all my reward
s balance are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX