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

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Professional Bureau Of Collections XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Debt in the amount of {$2100.00} I have been trying to get this debt off my credit report for a long time, at one point the creditor removed it but post it back again. 
the creditor has been denying to provide me with validity of this debt all along. When I try talking to them they will say they will send me documentation to validate the debt and they never do, last time they simply hang up on me when I asked a valid address and the name of the person I was talking to so I could document it. 
They are very aggressive and threatening, and they don't provide any information other than saying you owe them and if you don't pay they will ruin your credit history.
Product: Checking or savings account

I am a business owner for XXXX yrs and I was XXXX XXXXXXXX at XXXX different banks and XXXX XXXX XXXX over several years. Now senior over XXXX. I am very good with filing papers and clean. When I first opened an checking account at the Wells Fargo bank in XXXX I received a deposit agreement which says customer to claim within 60days to report fraud unauthorize transactions. I noticed nobody even employees knew and read these agreements.I kept it in my cabinets till now. 
When I opened new account in XX/XX/XXXX I remember clearly who opened and I signed machine per instructed. I had never received the signature cards copy which was transfered my signature which I just found it XXXX yrs later when I requested a copy. 
Bank should never let customer sign and transfer this into the agreement without customer acknowledge it. Info was outdated and I will never sign without checking it. I had never received deposit agreement. None. 
XX/XX/XXXX When I reported to check my account cashed as unauthorized transaction bank officer told me to open a new account. I followed her instruction. I had never signed and she never gave me a deposit agreement. About XXXX later I received by mail blank signature sheet to sign for new account with all the personal infomation include social security, birthday, driver 's license, address and acct number clearly as the joint account holder of my son. I had never asked bank to open as joint account. 
Later I complained to XXXX who opened an account she said head office opened an account no her. She doesn't know any. I didn't get the deposit agreement. 
XXXX weeks after XX/XX/XXXX Bank denied my claim to reimburse and XXXX was shocked because of she told me bank will credit in XXXX days. XXXX was shocked to find it out and I had asked her which document to say. She even didn't know I suggested her to bring an deposit agreement and I showed her where. This is the proof of she didn't give me the deposit agreement when I opened an account. How do I know about new deposit agreement which never given and XXXX XXXX XXXX into XXXX. 
Other banks I use always send me monthly paper statements with copy of the checks. 
XXXX said it will be cost {$3.00} each mo. when I had asked her. I later found it will be included to my account as premier account. I was so dissapointed not given all my right even I had discussed with XXXX when I was introduced to her by other officer who takes care of me. Please review all my accounts signature cards and bank shouldn't let customer sign even before given the deposit agreement or anything. ( I was not given any thing. ) WF bank should be more careful and let customer to be insured to understand importance of the deposit agreement and avoid to give false info to customers.
Product: Checking or savings account

My sister is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. She XXXX  XXXX  on XX/XX/XXXX, XXXX She was a customer of Direct Express , a subsidiary of Comerica Bank XXXX XXXX XXXX. I have been in touch with Direct Express and they have mailed paperwork for me to retrieve funds left in the account. I am next of kin. She had no children, so there would be no other claims that would be filed. Her mother is XXXX XXXX XXXX. I have been with her the past 12 years as she can no longer live alone. I am the executor of her estate as stated in her will and I handle all the business of our home. My name is on all pertinent documents concerning her health and finances. 

I have received and returned three sets of documents properly completed and executed and need to find out why Direct Express is choosing not to process my request. As the regulating agency I want the CFPB to find out why. Direct Express is not letting me know what is. wrong.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 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 request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as 1 ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit card or prepaid card

I requested a balance transfer from my Discover card to one of my XXXX XXXX  cards of {$2400.00}. On XX/XX/2022, XXXX XXXX paid Discover for the balance transfer. Discover claims they can not find the funds. I have provided documentation from XXXX XXXX. Discover has yet to remove the balance transfer from my account and it has been XXXX months. I filed a separate complaint regarding another balance transfer of {$1300.00} done on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud these accounts need to be removed asap XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding the handling of my recent disputes related to certain accounts on my credit report. Despite following the appropriate procedures to dispute inaccuracies, I have not seen any changes reflected in my credit report, nor have I received adequate responses from the credit reporting agencies or the creditors involved. 

Details of My Dispute : Disputed Accounts : Collection account from XXXX with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account XXXXXXXX XXXX  with account # XXXX and a balance of {$840.00} I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Dispute Process : I submitted my disputes on XXXX  to Transunion, providing documentation that supports my claims. However, I did not receive a satisfactory response or resolution, and the accounts remain inaccurately reported. 
Impact on My Credit : The inaccuracies on my credit report have negatively affected my credit score and my ability to secure loans. 
Request for Assistance : I kindly request that the CFPB look into this matter and assist in resolving these disputes. It is critical for consumers like myself to have accurate credit information, and I believe my rights have been compromised. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

Bank Of America ( The creditor ) agreed to delete this account from all the three credit bureaus XXXX XXXX & XXXX. The charge off was paid off & theres no payment is owed to the creditor. Before the charge off was submitted to all three credit bureaus XXXX XXXX & XXXXx. I was making direct installments payments to the creditor ( Bank Of America ) &  unfortunately once the credit card was paid off they reported it as charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Disputed To Have Inquiries Removed But None Was Deleted Or Removed.
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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, Equifax announced that a hacker obtained information about 143 million consumers. This data included Social Security numbers, birth dates, addresses and, in some cases, driver license numbers.
Users can check if their information has been compromised by going to equifaxsecurity2017.com. It was determined my information may have been compromised as part of the attack.
Product: Credit card

Approximately one month ago, I received a credit card I did not apply for from XXXX XXXX. I called and reported it and they sent me a letter stating that the account was cancelled. XXXX XXXX I received notification from Wells Fargo XXXX XXXXXXXX stating they needed more information for a credit card I did not apply for. I called them both, reported the fraud and it was cancelled. Today, XXXX I received a note from XXXX for a change of address I did not make. I have made a report to XXXX XXXX XXXX today, XX/XX/XXXX and froze my credit.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX BANK Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF ID THEFT!!
Product: Credit reporting or other personal consumer reports

Credit Report has inquiries unauthorized dates : XX/XX/XXXX Credit Report code XXXX XXXXXX/XX/XXXX Credit Report code JPMCB Card Please ask companies to remove both inquiries immediately as they are both unauthorized. I have place a fraud alert on my XXXX XXXX Account and Credit report I did not authorize these inquiries. I would anticipate my score being placed back into tact.
Product: Debt collection

My complaint is related to the Law Offices of Marvin C.S. Dang XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
Product: Credit card

I submitted an application for a credit card with my bank user on XX/XX/2023 and was denied. I called into the bank to ask why I was denied because of lack of income, which goes against the equal credit opportunity act. I also left a phone message about the denial and violation, and was met with a reply that enforces there are no errors in their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary CH-XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX.
Product: Mortgage

Husband lost job. Mother became very ill had to quit work to take care of her. Father passed away. Taking care of sick mother in law. i had a XXXX. XXXX XXXX. And also have XXXX. We applied several times for a modification and was turned down everey time
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We fileXXXX XXXX XXXX XXXX on XX/XX/2022. We notified Experian of a XXXX account currently showing open that should be reporting as closed, zero balance and included in the XXXX. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Experian.
Product: Debt collection

On XX/XX/XXXX  notice and demand sent to CARMAX to stop communication about this debt and the validity and fraud associated with this debt. The current issue right now is they are still communicating with me at least twice a day and even leaving a voicemail regarding this matter. Per their willful violation of 15 USC 1692c and 15 USC 1692k, they are in violation and due and owing for their telephonic constant communication with me. 

15 U.S. Code 1692k - Civil liability 15 U.S. Code 1692c - Communication in connection with debt collection : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Credit card

I purchased a flight ticket from XXXX to XXXX through US Bank XXXX XXXX and later cancelled it on XX/XX/. According to terms, I should get a full refund within 48 hours for the rewards points used and 7 business days for credit charged. I paid with XXXX rewards points and {$690.00} credit, total worth of {$1600.00}. However, the refund never came after over 2 months, and I called US bank 10 times over the past 2 months and each time they would promise me to get my refund back soon, however I still got nothing back as of today.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus failure to properly investigate and validate a charge-off account listed on my credit report. I previously disputed the information related with XXXX XXXX because I believe it is inaccurate and was not substantiated by the original creditor. 

Issue Description : On XX/XX/2024, I disputed the accuracy of a charge-off account appearing on my credit report. 
In response to my dispute, the bureaus claimed the information had been validated with a billing statement from the creditor. 
However, a billing statement alone does not constitute proper validation of a debt, as it does not provide evidence from the original creditor that the account is legitimate, belongs to me, or that the debt was properly assigned. 
According to the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and verify that the information is accurate by obtaining evidence from the creditor, such as contracts, original account agreements, or other relevant documentation. This was not done in my case. 

Why This is a Problem : A billing statement does not provide sufficient validation of a debt under the FCRA. 
The credit Bureaus have failed in its duty to investigate the legitimacy of the charge-off and has not provided any documentation proving the accuracy of the account beyond a basic billing statement. 
This failure has caused harm to my credit score and financial standing by allowing inaccurate and improperly substantiated information to remain on my credit report. 

Requested Resolution : I am requesting that the credit bureau be required to properly investigate this account by obtaining actual documentation from the original creditor that confirms the legitimacy of the debt, the amount owed, and my connection to the account. 
If they are unable to provide this documentation, I request that the charge-off account be removed from my credit report immediately. 
Additionally, I request that the CFPB investigate the credit bureaus violation of the FCRA regarding reasonable investigation procedures for disputed information. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.