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

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year>
Product: Debt collection

I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX  XXXX   report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX   XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account.
Product: Credit reporting

I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Checking or savings account

Dear CFPB officers, I hope you are well. My name is XXXX, and I bank with Juno Bank. Over {$8000.00} of my hard-earned money has been frozen in Juno Bank for months, and I am reaching out to you for help. 

In XXXX, XXXX XXXX went bankrupt, affecting around XXXX people, including myself. Since XXXX, we havent been able to access our funds due to issues between XXXX and its partner banks. This has caused significant financial hardship for many of us, including struggles to pay rent, buy groceries, and cover other essential expenses. 

Despite advertising FDIC insurance, it doesnt cover this situation, leaving us without protection. Like many others, I trusted the assurances of safety and stability. XXXX companies often serve vulnerable populations, and this situation has put many in a dire position. 

Federal agencies like the CFPB, Federal Reserve, FDIC, XXXX, and XXXX have not stepped in, claiming its out of their jurisdiction. We only have support from a U.S. Bankruptcy XXXX and the new trustee of XXXX XXXX. 

I am asking for your support to create legislation to better regulate fintech companies and protect customers in situations like this. Your intervention with responsible agencies would also be greatly appreciated. 

I am deeply worried about losing this money and feel betrayed by a system I trusted. Please consider helping us in any way you can. It would mean the world to me and many others. 

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

I submitted a request to update my late payment account for XX/XX/XXXX. Experian did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

XXXX is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

Experian completed the late dispute on XX/XX/XXXX and no changes were made. I have sent Experian a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.
Product: Student loan

I received XXXX scholarship to go to school, however I lost it mid way into my XXXX year. They demanded I pay back all XXXX I owed them ( them being the XXXX ) which of course I did not have the means to at the time. It was sent to collections at which point it was tacked up to XXXX. The new agency refused my offer to make payments that I could afford and instead sent it to a new new collections agency after a few months. The new agency put a new fee on it, bringing it up to XXXX. Once again I contacted them and was told to enter into a repayment plan I would need to pay XXXX a month. If I ca n't make this new plan, it will likely be passed to a new collections agency and a new fee will be assesed. I only make {$14.00} an hour and my wages are being garnished, not to mention I 'm still paying off the federal loans I took out to finish college. I consulted with a bankruptcy attorney, but was told that it would likely not work due to the fact that the funds were used for educational purposes. I feel as though I will never get out from under this, or have credit for that matter. A college education was not worth this crushing debt. XXXX collections agencys seem to be completely unwilling to work with me.
Product: Debt collection

After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was informed numerous times that they were in violation of Fair Credit Reporting Act. XXXX has failed to comply, and failed to provide me with reasonable procedures. This is my final offer to correct the erroneous conduct or I will seek to file for litigation. 

Notice : Mail Tracking ID : XXXX Notice : Mail Tracking ID : XXXX Please see and read all attachments below for further proof of claim and clarity on this matter. Thank You.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensur my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with this company and this complaint is to serve as proof that they have received this dispute and not claim ignorance of it in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. EXPERIAN IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF EXPERIAN IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from Experian and XXXX  in the mail around the XXXX of XXXX, a credit report from Experian and a letter from XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to The Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. XXXX  account no. XXXX, is being reported by Equifax XXXX ( no other credit bureau is reporting this account ) however there is no name for the collection agency nor any contact information for me to have this debt verified!
Product: Debt collection

I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
Product: Debt collection

Keep getting letter saying I owe XXXX to synergetic communications, inc. the original creditor is XXXX XXXX XXXX XXXX. I have no idea who this is. I google the address and its a medical group. I think its a scam.
Product: Debt collection

I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I was scammed by an online scammer on XXXX marketplace trying to purchase a car and paid {$3600.00} via from my chime-XXXX XXXX  Once I realized I was scammed I filed a dispute through chime and cash app. XXXX XXXX immediately denied my claim without investigation and only sent a request request to the scammer and chime originally filed my first dispute incorrectly titled as a unauthorized transaction then denied it but I informed them that I did authorize the transaction it was a online scam and I never received the goods and or services I paid for. They still denied my request XXXX more times with no reasoning, despite all the required documentation being submitted- especially a police report! If I did not have a legit claim I would not have went to the POLICE and filed a report. I can not get ahold of any supervisors or reliable staff with any accurate information or my money back. My funds are supposed to be protected from scams like this especially if I do my part to 100 % prove that I was scammed. They arent investigating properly or sending my funds back with no reason. Both parties.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However these are reporting when I have the right to these laws. And didn't authorize the them to furnish on my account. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I went to Hungington Bank in XXXX XXXX Michigan to open an account. Originally they opened the account with a {$100.00} depoist. A week later I got a letter and a call stating that I could not open an account. No explanation was given.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I engaged in a loan with XXXX XXXX, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inquiries on credit report and company did not investigate as required by law. Instead company sent a form letter explaining inquiries. This is in direct violation of the law when consumer disputes information reporting. 
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over last 6 months with three letters, I had requested these nine accounts to be VALIDATED. Instead the agency comes back with it verified which does not answer my dispute of validation. This is my consumer right to request how you obtained the information in the investigation. You are to get a contract by the company with my original signature to validate these accounts. Since you refused to honor my request, your violating my rights as a consumer. Furthermore looking at these accounts, they are invalid in reporting which again violates my rights. They are reporting XXXX ( no lates ) but yet a charged off account. Three letters and not responding to my requests, I am requesting a immediate deletion. These companies further more no longer own these accounts so I would no longer be liable to them. 
Attached are the accounts in question on last correspondence that I sent to agency.
Product: Credit card

I opened a business account for my llc in 2024 and was also offered a credit card with a XXXX XXXX Credit Limit. My balance is less than {$4000.00} and in late XXXX without any warning the Credit Limit for the LLC  credit card was lowered to {$3000.00} USD! This is a business credit card needed for business expense not a card tied to my checking account balance. It is terrible practice to do this to business customers and use the signer as the credit worthy entity. It is an LLC not a Sole Prop and Chase is mixing Corporate entities with Personal ones. Noowhere in the disclosure it is mentionned that personal information will be used against Credit Limit of LLC!