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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

I apply for a credit card from Frontier Airlines. They offer me this credit card but they never told me about {$89.00} dollars fee. So, never used the card and I have to pay this money. Unexpected fee?
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of idenity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$240.00}, XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$230.00} in account with XXXX XXXX XXXX XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent collections appearing on my FICO credit report. I demand that the afromentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

In 2018 I was going through financial hardship. My wife was XXXX and I fell behind on my Navy Federal credit card. My wife and I were in the XXXX and we called Navy Federal to see what our options were. I spoke to a representative and my wife was a witness, he told me that I could refinance my car with the collection included, he told me that I would be paying for the car three times over and he recommended that I paid it off sooner but he could add that collection to the car refinancing and add more years onto my payment. I had no other options so I was willing to do that, so I refinanced my credit card collection with the car, and I have been making my payments ever since. Well, my brother was trying to Navy Federal to Navy Federal my sister Money her account wasnt going so he did a test trial with my account to see if it was his account that had issue or hers. Once he transferred the money to my account, Navy Federal took the {$4000.00}, and upon speaking with them, they told me it was for the credit card collection. First of all the funds were not mine second of all, I didnt give Navy Federal permission to take funds from my account third I have been paying a car note for almost 10 years which included that credit card collection. Upon speaking with them, they said that they can not retrieve the phone conversation that was had with the representative because it was too far back so I provided them with a screenshot from my account that says refinance with collateral collection. They still have not gotten back to me. They have not returned the funds that were not mine, this is the only credit card that Ive had with Navy Federal and if there is a different credit card that theyre speaking in reference to I have requested validation and verification of that card because Ive only had this one. At one point there was a breach of XXXX information. I logged into my account and it said that there was a mortgage open in my name through Navy Federal mortgage. I immediately reached out to them, and after three days they had it deleted, but Im not sure whats going on with their systems. All I know is they owe that {$4000.00} back And no one has been responding to help me. I would have never refinanced my car that only had two years left of payments without the credit collection being included. Im attaching proof that my brother was trying to send those funds to another account. This was the message he received, which is why he tried to send it to my account, those funds did not belong to me. The representative was not able to explain to me why my refinance would say refinance with collections yet not include the credit card collection. They said that they dont have the ability to retrieve the phone call as if that is my fault.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. BThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so. 

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 reporting or other personal consumer reports

On XX/XX/year>, I sent out a dispute letter to Equifax, XXXX and XXXX enclosing my ID and Social Security Card. I received a letter from Equifax dated XX/XX/year> requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/year>. 

I also received a letter from XXXX indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. XXXX did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested Equifax, XXXX and XXXX do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.
Product: Credit card or prepaid card

on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received 3 letters and one postcard from your company offices. XXXX letters and a postcard came from a representative of your office addressed, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. The last one, postcard, indicated that your company placed the initial alert due to the identity theft of mine, XXXX XXXX. However, as my records indicate, I have already asked extended 7 years alert to your company by sending the necessary documents, which are the copies of social security number, drivers license, and XXXX passport. The letter written XX/XX/XXXX of XXXX, which is numbered, XXXX indicated some of my copies of above-mentioned documents might be soiled with some reasons, such as the mistreatment of the XXXX XXXX XXXX XXXX. I am not sure which copies of my sensitive documents including XXXX passport might be soiled, since I mailed several times, including the passport twice. I request which documents have soiled and your office representative could not read and have decided not to be usable as official process for extended 7 years alert. As far as the postcard, which I received today, XX/XX/XXXX of XXXX, indicated that your office has already added the first-year fraud alert, even though I requested the extended alert and security freeze several times already. I just request which document ( s ) was/were soiled to be sent again, even though I have strong fear and concern whether the mailing process of the XXXX XXXX XXXX XXXX might have some problem and has endangered my identity and myself. Another letter, which also dated the same day with same above-mentioned letter, on XX/XX/XXXX of XXXX, and numbered XXXX, asked me to send this inquire to Consumer Financial Protection Bureau as a mail ; therefore , I will send there this mail addressed to it. Even though it might be a just mere question, why these two letters prepared on same day need to be mailed separately by two envelopes ; I strongly believe you need to instruct your employee to save the postage, since I concern the cost of postage so far due to the volume of numbers in total, about maybe XXXX. This latter letter mentioned File Disclosure, since I still have the communication with XXXX XXXX  credit report company, I strongly request your company encourage the XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  to disclose the suspicious activities, which prepare two same number checks, because if the banks issues two checks with same number should be meant the fraudulent transactions. Lastly, I strongly ask you add security alert after this information from XXXX XXXX. 

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

I received a copy of my credit report and noticed fraudulent activities and this is stopping me from obtaining credit.
Product: Checking or savings account

On XX/XX/2018, I submitted a fraud claim to Bank of America because my lost debit card had been used for fraud. The claim was for {$510.00}. The bank credited me the money back immediately. Three months later, on XX/XX/XXXX, the company abruptly withdrew the funds from my account, the day before rent was due. Not a single person reached out to me in regards to my claim and I assumed that it was finished when all of a sudden my money disappeared. I looked into my account and saw they had denied it, but did not say why. When I called, they claimed that " one of the fraudulent transactions was a PIN transaction '' which is impossible. The charge in question was done in a city two hours away from where I live, and I provided documents to them proving my whereabouts for the entire day that day. No one on earth knows my PIN.

I have been a customer of Bank of America for 8 years. When I try and speak with someone on the phone regarding my claim the wait time is over 90 minutes every time, and the person never has any answers. According to them I am not allowed to speak with the investigator regarding my claim. I went into a branch for help and they told me they are not able to help me either. I went to my local police department to file a police report and they told me that since the crime occurred in another city I can not file a police report. When I opened a Bank of America account I was told fraudulent charges were protected, now I feel victimized. Bank of America clearly did not do a thorough investigation because their findings were false. It is now my job to prove my innocence.
Product: Credit card

XXXX XXXX, called to fix problem with my phone. Did not realize that it was not XXXX it was scammers. They went into my apps XXXX which was empty and charged {$5000.00} in gift cards on my Target credit card. I immediately notified Target to cancel these orders they are fraudulent and cancel my credit card. They said they would, they cancelled the card, but not the orders. And subsequently sent me a new card which I also cancelled. I have filed fraud reports, sent letters and called constantly, they keep telling me it takes XXXX days. Its been 7 months with no resolution, they will not give any information when I call they tell me, they cant talk to me I have to wait for a letter. Still nothing. I didnt make this purchase, I am a widow on a fixed income and could never afford to make such a purchase.
Product: Credit reporting or other personal consumer reports

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ).

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly. 

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my XXXX XXXX XXXX XXXX XXXX  ).

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my XXXX account. 

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence.

3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
4. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with SOFI directly and have disputed the balance shown *twice* already. Rather than fixing the error, SOFI 's solution seems to be to drop back a month and report an even higher incorrect balance to XXXX. Twice they have reported to XXXX  that they are reporting correctly but clearly they are not.
Product: Debt collection

I switched service from AT & t to T- mobile when they were running a promo when to find out that they did not pay for everything So XXXX XXXX XXXX XXXX my balance due to a collection agency for 6 months I paid XXXX a month then after 6 months another collection agency gets it and wants the same amount of {$3100.00} and they say I did not pay so I ask for proof they never call back now it dropped my credit score XXXX points I need to get this off my credit report ENHANCED RECOVERY CORP Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Debt collection

Portfolio Recovery is stating I owe a debt of {$1300.00}. There have been multiple attempts to dispute this claim via mail over the past couple months because this is not my debt and fraudulent activity with this account. I have never signed a contract, spoken to anyone by phone, or received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.
Product: Credit reporting

The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : https : XXXX Thank you in advance for helping me get these removed from my credit report.