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

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I am a victim of Identity Theft and I want you to help me delete the following items as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because transunion is failing to except a ftc identity theft report I filed, it acts the same as a police report, if my complaint is not taking seriously I will hire an attorney to investigate and file a notice of dispute and sue transunion for damages, I want these accounts taking off my credit report they fraudulent, I will not tolerate my complaints going in notice because this complaint will be saved and copied for the attorney, XXXX XXXX XXXX XXXX  XXXX for XXXX dollars its collection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, I did not open remove it XXXX ) XXXX XXXX XXXXXXXX card remove it j did not open it Do not ignore my complaints im making this a promise I already hire an attorney for another situation but I can turn this over to that law firm and sue for damages My information was leaked on the dark web and compromised I will send screen shots showing my driver license and social security number was leaked and compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. If this really is my account, it is evident that XXXX XXXX XXXX XXXX simply failed to bill my insurance in a timely manner. I have attached a letter from Missouri Department of Social Services stating the dates I had Medicaid/MO XXXX insurance. 
Account XXXX : XXXX
Product: Checking or savings account

After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier. 
Quite the opposite was what i found. 
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard.
Product: Credit reporting or other personal consumer reports

Experian failed to notify me five days in advance before reinserting and account that was deleted from my profile which is a FCRA violation also the credit bureau is reporting a account that identifies as identity theft which is also a FCRA violation as a consumer under the FCRA act I ask that the account be removed immediately
Product: Payday loan, title loan, or personal loan

I leased a bed from someone on XXXX, after no longer needing the bed upon needing to move where bed was not required. Bed was return to independent mattress salesman. As well as payments were made up until bed was given back. The bed had a lifetime warranty as long as no stains or rips which the bed did not have and was accepted back. The salesman agreed to the take product back but Acima did not update the information on my XXXX  credit report nore did I stop receiving emails regarding a balance I already settled with payment to salesman. Sales man is no longer available for contact, as number provided no longer works.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I saw so many posts on social media about an Equifax Data Breach Settlement that I followed the link and forfeited my right to credit monitoring with the expectation that I would receive {$120.00} settlement check. Subsequently, there have been many comments about NOT receiving a check. I understand now that all of the people that signed up for this will not receive credit monitoring service and that was not very clear in the Equifax Data Breach Settlement website. I think the company took advantage and allowed people to misunderstand what they were signing away just so they would not have to provide the service in the future. 
Im still extremely frustrated by the lack of internal controls to maintain and monitor hacking at Equifax. How does the consumer trust this company to safeguard our most personal information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for credit freeze to all three credit reporting agencies around XX/XX/XXXX. I sent the requested information to each. XXXX  and XXXX XXXX sent documents confirming the credit freeze had been placed. Experian sent the same post card you will see with my documents uploaded saying " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or that information that you provided was not legible. '' I forgot about the problem until I found the card in my drawer On XX/XX/XXXX, I sent another credit freeze request via certified mail with return receipt ( copy of documents sent included ). A couple of weeks ago, I received another postcard denying my request. As you can see from the attached files, I sent everything requested and it is legible. ( The documents include personal information, so I am attaching redacted copies of the documents ; unredacted copies were sent to Experian. )
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported this with you all and XXXX updated my report after I filed a complaint saying that the account, LVNV Funding, meets FCRA requirements. Not only have they not validated the debt, they are now inaccurately reporting Date last active. I have never made a payment on this account as I have been trying to get this company to verify the date for years and they have failed to do so and the credit reporting companies XXXX and XXXX has failed to hold them accountable. I have asked the credit bureaus and the collection agency, LVNV Funding, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from LVNV funding.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning the charge-off entry on my credit report. Despite my repeated efforts to rectify this matter, the charge-off continues to adversely impact my financial standing. 

I have previously disputed this charge-off through your bureau and provided documentation supporting its inaccuracy. Despite this, the charge-off remains on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into this matter to validate the accuracy of the charge-off entry. If found to be inaccurate, I request its prompt removal from my credit report. 

I also request a written confirmation once the charge-off has been corrected, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the specified timeframe and provide a designated contact person for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -- Dob : XXXX Mailing address XXXX XXXX XXXX, SSN : XXXX XXXX XXXX XXXX XXXX CA XXXX Ph : XXXX Email : XXXX Regarding : BOA CC # XXXX XXXX XXXX XXXX ATTN : CUSTOMER RELATIONS /DISPUTE RESOLUTION DEPT/ CREDIT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, Ive been a BOA client all my life and have been well treated. 
Im currently suffering from a XXXX XXXX XXXX and unfortunately have been given XXXX XXXX XXXX XXXX by my doctors. During this time my plan was to build a home for my family. Which was going well until earlier this year, due to an issue with Bank of America. 

PROBLEMS CAUSED BY COVID : My bookkeeper was entrusted in making my payments due to my illness and as Covid hit, XXXX XXXX was one of the first place in the county to XXXX down. My mailing address is my office building and that was shut down to patrons and the public. As I was ill, my bookkeeping manager was entrusted with making my payments, who couldnt get into the building and couldnt even access any mail. 

PROBLEMS CAUSED BY BOA OPERATIONS In addition, neither one of us could go into the BOA branch to make the payment for XXXX, as branches around us started closing XX/XX/XXXX and the few that were open were far away and were operating for limited hours. Whenever BOA was called, hold times exceeded hours and no one would come on the phone Due to this we were late in making the payment. 
When we finally got a BOA rep on the phone, they told us they wont mark us late, however we were marked late regardless. 

I am attached a letter from my book kipper and proof my latest XXXX treatment. 
Im humbling asking Bank of America to remove the late payment from my credit report reporting for XXXX 2020 on my report Best XXXX XXXX
Product: Mortgage

I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.
Product: Checking or savings account

During the month of XX/XX/XXXX, several fraudulent charges hit my account from XXXX See attached.

I reported these charges as fraudulent and received a provisional credit. Several months later, the provisional credit was reversed without any explanation. When I called and spoke with TCF Bank security department, I was told that the merchant provided a copy of the transaction as it appeared from their end. I explained to XXXX  (? ) that a receipt for a fraudulent transaction does not make is any less fraudulent as that is not proof I authorized or benefited from the charge. She fumbled with her words and failed to add any logical reasoning and referred to TCF policy that simply having the vendor respond is proof enough. This is absurd.

Here is the statement from the TCF Bank website on Identity-Protection which does not match their actual practices : We provide zero fraud liability.

Consumers are not held responsible for fraudulent charges made from your account. Consumers must notify us within 60 days after we send you a statement on which the unauthorized use first appears. Certain conditions and limitations may apply.

Unfortunately, your security department is not protecting your customers and instead protecting merchants. I am disappointed because of the basis of the decision and I was wrongly billed for services I never received.

To resolve the problem, I would appreciate your company reversing the fraudulent charges. Enclosed are copies of my records. Ive copied this message to all consumer protection and banking regulation establishments in order to facilitate the process and help you produce better safeguards to protect your customers. Im also seeking an investigation into TCF Bank procedures as I can only imagine the other families that have struggled through this nightmare.

I look forward to your reply and a resolution to my problem before seeking help from additional agencies or council.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023, I notified XACTUS-CP fraud department of an unauthorized inquiry on my credit file. XACTUS-CP did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP. Therefore, XACTUS-CP who's headquarters is located at XXXX XXXX XXXX XXXX XXXX MD XXXX did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General. 

On or about XX/XX/2023, I notified XACTUS-CP/ XXXXXXXX XXXX  XXXX fraud department of an unauthorized inquiry on my credit file. XACTUS-CP/XXXX XXXX XXXX did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP/XXXX XXXX XXXXXXXX. Therefore, XACTUS-CP/XXXX XXXX  XXXX who's headquarters is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/2025 The Consumer Financial Protection Bureau 's ( CFPB ) XXXX XXXX XXXX XXXX, XXXX , DC XXXX Formal Dispute of Inaccurate Credit Information under 15 U.S. Code 1681 Dear CFPB I am writing to formally dispute certain inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Upon reviewing my credit report, I discovered incorrect and unverifiable information related to the following accounts : Upgrade ( Account # : XXXX XXXX ( Account XXXX XXXXt ( Account # : XXXX XXXX XXXX  ( Account # : XXXX Nature of Dispute : The reported information on these accounts is inaccurate, misleading, or unverifiable. Specifically, I request a thorough investigation into these accounts for possible errors, including but not limited to : Incorrect balance or payment history Inaccurate account status ( e.g., open/closed, delinquent, etc. ) Unverified or unauthorized reporting Inconsistencies with my records Request for Action : Under 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days and provide me with written results of your investigation. If your investigation finds that these accounts can not be verified, they must be removed from my credit report immediately. 

Supporting Documents Enclosed : I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted A copy of my government-issued ID and proof of address Any relevant supporting documents Please update my credit report accordingly and provide a written confirmation of the results of your investigation. If these accounts are not corrected or removed, I request a statement of how they were verified, including the name and contact details of the entity that provided the information. 

Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.
Product: Checking or savings account

I got a text saying if you do not recognize this charge callXXXX then they claimed the us marshalls would look into my accounts that appear to be fraudulent then I hung up they asked if my name and address was - it was correct
Product: Debt collection

I am writing to formally dispute duplicate collection accounts reported by Midland Credit Management on my credit report. Details of the accounts are as follows : 1. Account Number Ending : XXXX - Original Lender : XXXXXXXX XXXX XXXX XXXXXXXX. 
- Balance : {$1200.00} XXXX. Account Number Ending : XXXX - Original Lender : XXXX XXXX XXXX XXXXXXXX. 
- Balance : {$960.00} Both accounts are listed under the same original creditor and collection agency but appear to be duplicate entries. This is a violation of FCRA 609 ( 15 U.S.C. 1681g ), as inaccurate or duplicative reporting misrepresents my creditworthiness.

Furthermore, under FCRA 604 ( 15 U.S.C. 1681b ), I did not provide Midland Credit Management with explicit written consent to furnish or obtain my credit information. If such authorization exists, I request immediate documentation of this consent.
Product: Credit reporting 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 state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The loan was paid off through bankruptcy. After bankruptcy was completed I began to receive delinquent phone calls although I received the title for the vehicle. After speaking with the company they promised to have the delinquency removed from my credit profile. I tried to dispute several times but Experian will not remove the negative rating on my credit profile. I would like to file the complaint against XXXX XXXX and the credit bureaus Experian, XXXX, and XXXX that are reporting this item as negative.
Product: Debt collection

Upon review of credit report I discovered the following fraudulent account : Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$280.00} Account holder name : XXXX XXXX This charge is the result of identity theft and is fraudulent. I previously sent the collector the following : 1. A copy of a filed police report regarding the fraud 2. A completed and notarized identity theft affidavit I have never done business with XXXX XXXXXXXX XXXX XXXX. I have never lived in Texas or any adjacent state and the name on this account is not even my correct name ( XXXX vs my correct name XXXX XXXX. I have also filed the dispute for these fraudulent charges with XXXX.