23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


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

in XXXX  apparently I was added a co signor on a credit card. I was a XXXX, the card owner kept me on without my knowledge until I discovered it on XXXX! I filed a dispute and turns out it was my father. No contact. It was on my credit report every time he was late or something changed on the account. I never knew about this card since day one. After XXXX until I was XXXX never knew about it. How can that be legal? Especially when it impacted my credit report.
Product: Debt collection

Law 15 U S Code 6802 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Debt collection

On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Product: Checking or savings account

I have previsouly filed this complaint, but the company has failed to address my concerns. I deposited a check into the Discover Bank on XX/XX/2018 for XXXX. On XX/XX/2018 the funds were withdrawn from my account. The reason I was given was that I had deposited the same check at XXXX XXXX XXXX on XX/XX/2018. I checked at XXXX XXXX  and they have no record of it being deposited. When I told them that I did not even use XXXX  XXXX, but banked at XXXX XXXX, Discover told me to check my other account at XXXX XXXX. I did. No records of a deposit. I have asked them 4 times for a copy of the notice they claim to have received about this matter on XX/XX/2018 so that I can research it further. THEY REPEATEDLY FAIL TO PROVIDE ME WITH THE DOCUMENTATION THAT THEY USED TO TAKE MY MONEY. I have written to the CEO of Discover as well as several people at the " Executive Office of Consumer Advocacy ''. I am just looking for Discover to provide the  documentation which they claimed to have received. To date my money has been missing and the last place it was seen was Discover. From my point of view, Discover has stolen my money, unless they can show me who told them that the money was deposited elsewhere, so that I can pursue that lead. My next step is the Attorney General 's office if I can not get a simple piece of paper from Discover. I think they are covering their tracks.
Product: Credit reporting or other personal consumer reports

I am filling a composting against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are said accounts disputed ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) XXXX ( Tacking # XXXX ) Equifax ( Tracking # XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Installment loan that doesn't belong to me for {$2900.00} on my credit report appeared after data breach and will not remove as well as XXXX XXXX in the amount of {$150.00} and is affecting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I submitted a complaint with you regarding PHH Mortgage. My complaint was that they were unable to find a wire transfer of funds to payoff my mortgage and the had taken money out of my bank account to cover a payment that was not due them. 
On XX/XX/2019, the emailed me to inform that they were able to find those funds and applied them to the payoff. They told me the they would refund my payment within 24/48 hours. I have not seen those funds and PHH refused to respond to my emails appropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to deposit mine and my wife 's federal tax return of {$5100.00} using Citibank 's mobile deposit service into my personal checking account. Our joint account can not accept a check through mobile deposit. I followed the instructions that were on the website. I signed the back of the check and deposited the money. The following day, Citibank rejected the deposit. No reason was given. On XX/XX/XXXX, I went to the Citibank location XXXX XXXX XXXX XXXX XXXX XXXX and deposited the check via ATM. The machine accepted it and the transaction was noted in my transaction list as a positive amount. I had no reason to suspect that there was anything wrong with my deposit. On the morning of XX/XX/XXXX, I checked my bank account on the Citibank app and saw that there was a negative balance of - {$2600.00} ( the paycheck I received from my employer of {$2300.00} is the reason for the difference ). I tried contacting customer service and was not able to resolve the issue over the phone. On the morning of XX/XX/XXXX, I went to the XXXX XXXX branch location and they gave me the reason for the rejection. According to staff at Citibank, because the check was made out to both of our names ( mine and my wife 's ), both of us needed to sign the check and the check needed to be deposited in-person with a teller. When I asked how I was supposed to know that, they said " it's policy ''. The banker confirmed that they don't give reasons for rejection of check deposits, so there was no way for me to know that I needed to follow the steps above. On their website, under the mobile deposit section, it says nothing about requiring both signatures, it just says " sign the back of the check ''. On top of this already frustrating issue, they did not actually include any rejection reason for the mobile deposit either. I asked for paths of resolution, and they said that the only path is to wait for the replacement check to arrive in 7-10 business days, or to request that the IRS reissue the check. I find this unacceptable, as the policies they stated were opaque and place undue financial hardship on my personal finances for what should be clearly stated in its online mobile banking policies. Even a timely rejection notice with a reason would have been acceptable.
Product: Checking or savings account

My account was charged for an automated fee from XXXX fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called in XXXX XXXX Chase Bank due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. XXXX sent a letter out late on XXXX confirming the problem but said it would take XXXX days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim ( and suing me for ) that I owe CACH , LLC {$2400.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to CACH , LLC stating I had an agreement with you and owed any monies to CACH , LLC. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a " counter claim '' small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

XX/17 -TransWorld Systems.  The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion us reporting incorrect date snd data on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX It took more than 45 days to investigate and dif nothing
Product: Credit reporting or other personal consumer reports

Dear CFPB I am contacting you regarding Equifax. I submitted my FTC per request to have items that does not belong to me on my report that was opened using my name. Equifax did not block/delete per my request and instead did an investigation. The investigation will always come back as verified and still does not have any supporting documents. I DO NOT have an idea what these accounts are and nor who they belong to. 

The FCRA says that they must delete these accounts within 4 days of FTC affidavit receipt and they did not. I am tired of getting the run around from Equifax, I am trying to get my very first apartment and had no idea of these items until I applied and they explained what was going on. 

I have attached the Fair Credit Reporting Act letter in the event there is some type of misunderstanding. I submitted a new dispute under # XXXX to delete this closed and charged off accounts that I do not have any idea of. 

Equifax I am begging that you please fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so embarrassed, I was led to believe my whole credit life that inquiries help credit because it gets your name in all their fancy systems. and hard ones were good for your credit report card. I even have my XXXX  affected as well, XXXX XXXX. I think I created a horrible situation as my XXXX is still in the start-up phase and I already quit my job a few months back cause I was ready to start my entrepreneurship in which I learned so much but was like why am I being blocked by loans, credit cards, etc. Never learning about inquiries in credit education as I was not satisfied with my financial education as I wanted the knowledge the leverage and run a successful business, not like most people. hard-headed perfectionist here but I misinterpreted credit inquiries now I'm in financial hardship XXXX  disaster level. please help CFPB I don't know what to do I got credit cards past due and probably identity theft up and down the web. I literally applied everywhere and my email is a spam fest. I'm literally crying
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a complaint to you ( XXXX ) regarding EQUIFAX. They answered our complaint by finally giving me access to my credit report by sending me a copy. They did not answer how my account was frozen. 

In receiving the copy of my credit report from EQUIFAX I found items that need to be disputed. My attorney has provided dispute letters ( attached ) to be used for the dispute. I am asking your help in this matter because I am afraid it will not be addressed by EQUIFAX or that it will get lost in the mail. 

Please help with this matter, and let us know if you need further information. 

Thanking you in advance. 

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

Transunion has continually violated my rights as it relates to FCRA. I am unable to get disputes submitted in writing and/or over the phone. They continually say that since I am a victim of identity theft, I have to speak with a special department. I have told them in writing that I would like to be removed from the special department because I am unable to dispute the inaccurate items on my credit report. Despite me providing my license, proof of address and FTC Report, they are sending stall letters and not complying with the request from the consumer protection bureau. 

I am unable to obtain my credit score, see my credit report online or enroll in proper monitoring services. I do not want my account to be monitored by their special department because no one calls me back or processes my request over the phone. My financial profile is tainted because Transunion not only refuses to block information, but respond to my phone calls promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character