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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I received a letter that Bank of America made a decision and closed my account on XX/XX/2018 I attempted to call and ask why and was told me it was a business decision after transferring me from risk department to customer service, they hanged up on me twice. According to the letter, my balance which was over {$5600.00} was supposed to be refunded to me in 10 business days. I received another letter stating that my balance will not be refunded to me. I went into their branch in XXXX XXXX and was told that they have no idea and not responsible for the note. They called their so called risk department for me and i was told that my balance will not be returned to me and refused to tell me why. I work hard for that money and it is unfair and unheard of that my balance should not be returned to me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing XXXX days late ( XXXX XXXX XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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: Checking or savings account

XX/XX/XXXX - Chase Bank restricted my account leaving me without access to my funds XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( amount {$640.00} ) showed on said account XX/XX/XXXX - Chase officially closed the account XXXX - Chase mailed a letter and responded to initial complaint that the account was closed and a check was issued for {$640.00} to be mailed to my address within 7-10 business days. 

Today is XX/XX/XXXX and although I have received every single letter Chase has sent me since, I HAVE NOT RECEIVED MY CHECK! It has been an entire month now without access to my funds and no one can provide me an answer except that it was mailed. We are way beyond even 10 buisness days at this point. It has been 18 business days since my account has been closed, and 13 business days since the supposed check was mailed.

This is inexcusable. Chase used their discretion and closed my account, that is fine, however, it doesnt take this long for a check to be mailed/ received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance $ - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/year> COMPLAINT ID XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Dispute and Request for Damages : Failure to Provide Proof of Debt and Defamation To Whom It May Concern, I am writing to formally contest the actions ( or lack thereof ) of the XXXX credit bureaus in relation to my dispute of the alleged debt that has been reported under my name. Despite my repeated efforts to seek validation of this debt, the bureaus have failed to provide the required proof, and this has resulted in ongoing harm to my reputation and creditworthiness. 

I assert that this situation constitutes defamation of my character, as the unverified debt continues to be reflected in my credit report without adequate evidence of its legitimacy. I am now requesting damages for the undue harm caused, including but not limited to : Negative impact on my credit score Emotional distress Difficulty securing financial opportunities To resolve this matter and put it to rest, I am providing the following specific debt validation requests. The documentation must substantiate the legitimacy of this debt in its entirety : XXXX. Full Payment History : Please provide a complete and detailed payment history for the account in question, including the date and amount of each payment, as well as the outstanding balance. 
XXXX. Signed Agreement : Furnish a copy of the original agreement or contract bearing my signature, which explicitly shows that I consented to this debt and agreed to its terms. 
XXXX. Insurance Claims : If any insurance claims have been filed or payments have been made in relation to this debt, provide copies of all relevant documents and evidence. 
XXXX. Chain of Title : Submit the chain of title or documentation showing the transfer of ownership for this debt, demonstrating your legal authority to collect on this account. 

The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate that debt collectors and credit bureaus substantiate debts to ensure accuracy and protect consumers from erroneous reporting. Your failure to provide the requested information has resulted in a clear violation of my rights. 

I kindly request that this matter be resolved promptly within XXXX  days. If you are unable to provide the requested documentation, I demand that the disputed debt be removed from my credit report immediately and permanently. Additionally, I reserve the right to pursue legal action, including but not limited to seeking damages for defamation, if this matter is not resolved to my satisfaction. 

Please confirm receipt of this letter and provide a timeline for resolving this issue. You may reach me at XXXX if further clarification is needed. 
Thank you for your immediate attention to this matter. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

ATTENTION TO SANTANDER CONSUMER USA. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name SANTANDER CONSUMER USA being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company CREDIT SANTANDER CONSUMER  USA as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.
Product: Debt collection

I received a call at XXXX MST on XX/XX/XXXX MST from a debt collector, who informed me of a debt and had demanded a credit card being put on file immediately. This had been the first time I have EVER received any communications about this debt whether it be through writing, email, or phone calls. They immediately got hostile and aggressive and threatened me with further action, despite the face that I had told them that a ) I have received zero prior notification that I even had a debt within the past 6 months and b ) was not going to give my phone credit card information out to a random person on the phone without any debt verification whatsoever. I dont even know what the debt is for! They also falsely stated that I had given an address as a forwarding address that was in fact a previous address from when I lived in XXXX 5 years ago on XXXX XXXX. I had not lived in XXXX for over 3 years ( they could have easily gotten my former address information on public record ) and had left the building my forwarding address when I moved out in XXXX, so they knew how to contact me correctly. This makes me suspect that they are fraudulently sending notices to incorrect addresses just so they can collect interest. The fact that they were unwilling to allow me to even get home to get to my credit card so I can put it on file makes me suspect it is fraudulent.
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a business account. XXXX XXXX XXXX XXXX, with Truist Bank at XXXX XXXX XXXX XXXX XXXXXXXX, with an initial deposit around {$8000.00}, give or take. Within a month and half Truist closed the account with no explanation as to why. I called a few time throughout the month for some type of update or status, which I was always advised that they're still doing their investigation and no determination has been made. 

Around XXXX XXXX I received an account statement in the mail with the account closure of XX/XX/XXXX. ( CLOSE OUT XXXX  XXXX, {$3900.00} ) and ( CLOSE OUT XXXX  XXXX, {$4000.00} ) My online privileges were suspended as well so I was never allowed to check on any activity regarding my business account through out this time either On XXXX XXXX XXXXXX/XX/XXXX, I was finally able to speak with a Loss Prevention Rep ( cant remember his name ) but he advised that the {$3900.00}, was returned to me, which it was. When I inquired about the remaining {$4000.00}, he advised that, that is not being returned due to fraudulent activities. When I asked about the fraudulent activities, he was referring to, he said he didn't know or he was not a liberty to say. When I asked to speak to a supervisor or to someone who did know because I needed further explanations, I was denied. 

I can mail in hard copies of my paperwork. It's not currently scanned into my email so I am unable to upload it at this time. Please advise. 

Any assistance and or answers or money you can provide or retrieve would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX XXXX/XXXX XXXX XXXX. While the account was not obtained the fraudulent application left an inquiry on the XXXX credit report dated XX/XX/XXXX. Synchrony was notified of this fraudulent activty via phone with XXXX XXXX and an official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX however a recent credit report from XXXX still has the fraudulent inquiry listed which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am requesting for XXXX XXXX XXXX to be removed from my credit report due to failure to validate debt. A letter was sent on XX/XX/XXXX and no response was sent back. Remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XXXX2017.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX in XXXX of 2019. The rep I spoke with on the phone informed me that the card would be rushed to me so I could get it before i went on Vacation. That was a lie. I never got my card on time and future reps that i spoke to on the phone kept giving me the run around and never got my card to me on time. I was so frustrated with the experience that I immediately cancelled the card and did not spend any money on it. Now I have decided to give the card a second chance and American Express Website is saying i am no longer eligible to receive the sign up bonus due to already receiving it. That is false. I spoke with them on the phone and they said there was nothing i could do about it. This is very frustrating and not right as i have been an American Express customer for nearly 8 years.
Product: Credit card or prepaid card

This card was a gift valued at {$500.00} and I received it in XX/XX/XXXX. It was in a drawer in Washington XXXX DC. In XX/XX/XXXX, I checked the balance and it was {$2.00} and there were 5 transactions totaling {$490.00} that occurred on XX/XX/XXXX at " XXXX 's '' which appears to be a grocery store in California. As soon as I discovered this I called InComm Customer Service and submitted a fraud dispute along with all the required documentation. The email told me that I would receive an email resolution in 45-90 days. Nearly 9 months later, I have not received any correspondence despite following up twice. This is clearly fraud and they have not protected their data as the card was no where near California when the transactions occurred.
Product: Student loan

I was in school and or unemployed and they would still charge me interest on the loan amount even though I qualified for deferment. Further, this decision ruined my credit and they have not acknowledge the error and fixed it. My loan is with Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative account information that is over 7 years old was removed by the creditor which MUST reflect positively on my credit rating. Equifax continues to ARBITRARILY lower my credit score AFTER MULTIPLE POSITIVE actions on my part. CFPB MUST DO SOMETHING about credit reporting agencies that harm Americans ' ability to protect their credit!!! THIS IS BEYOND RIDICULOUS!!!!! Equifax VIOLATES the Fair Credit Reporting Act EVERY XXXX DAY!!!!! DO SOMETHING!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

The following accounts are violating my rights by report the following information to my credit report with the following late payments. In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681a2Ai states I have the right to privacy. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Ive recently requested verification of inaccurate accounts reporting on my credit report and received a response stating the account was verified and unable to remove accounts. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is requirea to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my report. Also, for a lender to CHARGE OFF any debt the lender that cancels or forgives a debt must send Form 1099-C to the IRS and the borrower. If I receive a 1099-C, I may have to report the amount shown as taxable income on your income tax return. This form was not sent which violates 15USC 1681eb which states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXXXXXX XXXX  ACCT # XXXX XXXX  Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  Late XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX Balance {$97.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Balance {$440.00} CHARGE OFF
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX 2024 Equifax removed over XXXX accounts from my credit report including the mortgage for the house I live in, and every single XXXX of my credit cards. After requesting my credit report I noticed that they were now reporting my name as " XXXX XXXX XXXX XXXX '' when every single piece of identification I have, including my social security card, my passport, and my driver 's license has my correct name of " XXXX XXXX XXXX XXXX ''. When I filed XXXX different disputes with the company Equifax, and provided all the above reference identification, they failed to rectify the situation. I was also never able to get XXXX of their agents on the phone because I could not get through their automated answering system because they did not have the correct information to verify me, and I there was no option to talk to a live person. In fact, on my second dispute, after providing all the above identification, their report said they were deleting the correct name I provided and changing it to the false name that they had been reporting since the unexplained change on XX/XX/XXXX. This was completely opposite of what I requested on their form. So after XXXX disputes and the inability to get anyone on the phone I am making this complain as their errors have cause my reported credit score to drop over XXXX points just when I was attempting to make a large purchase that required the running of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017   XXXX   XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Product: Debt collection

Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.