23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've made complaints numerous times to XXXX, TransUnion, XXXX about placing inaccurate information on my credit report but yet I'm met with stall tactics. 15USC1681 ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX is a consumer reporting agency. So why is XXXX reporting inaccurate information for profit and gain by putting this on my credit report. Which in fact my letter from the Federal Court House specially states that it does not and I repeat does not share any information with any ( CONSUMER REPORTING AGENCY ) so why is this inaccurate information is on my credit report? It's simple, it's about money! I exercise my right to privacy under the provision ( 15USC1681i ( 7 ) XXXX, TransUnion, XXXX are noncompliance ( 15USC1681n ) for Conspiring with rights ( 18USC242 ) under ( 15USC1681c ( b ) XXXX XXXX TransUnion XXXX XXXX acquired my personnel information without my consistent or written notice to do so. ( 604 ) ( 15USC1681b ) Permissible purpose. 15 U.S. Code 1681a this information was obtained through P.A.C.E.R! I understand this a public record to access information but this does not give XXXX, TransUnion, XXXX rights to place this on my credit report nor is their a FCRA that says Consumer reporting agency have rights to do so. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

15 U.S. Code 1681i ( a ) ( B )
Product: Debt collection

I contacted trans union on multiple occasions with my last dispute being sent out XXXX XXXX. My dispute informed the bureau that the collection of {$12000.00} from la child sup was not valid and did not transpire from a credit transaction. I also informed that it violates my privacy under the privacy act of 1974 ( 5 u.s.c. 552 ). I request that the account be removed from my credit report expeditiously if finding any inaccuracies found in compliance with 15 u.s.c. 1681 ( a ) which mandates prompt correction of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Product: Credit reporting or other personal consumer reports

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies XXXX XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX XXXX
Product: Debt collection

I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. 

I do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. 

I have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called Equifax gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified Equifax month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at Equifax that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Account ending in xxxXXXX and xxxXXXX MedicalXX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX, AFNI and XXXX XXXX. 

RE : We have disputed this account.
Product: Debt collection

Medicredii XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 Re : Reference # XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.
Product: Mortgage

On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

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

The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX  and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it
Product: Checking or savings account

On XX/XX/XXXX I was paid by my job. And thats when someone from US bank authorized a {$2000.00} at XXXX. I was not notified of this amount being taken out of my account until I logged into my app on Friday XX/XX/XXXX. When I immediately noticed this, I contacted my local branch. They couldnt tell me the location of the bank this had occurred in and transferred me over to their fraud department. I was advised to head over to a branch and file official paper work regarding the matter. All that was done at the time was my account became frozen. Following that conversation I initiated a police report and was able to file report on Saturday, XX/XX/XXXX. My documents were sent over to their fraud department. I was able to open a new account and transfer what was left remaining of my money into it. However, I never heard back from them once since then. Until I made a call to them two weeks after having sent my paper work. I was told that these cases take up to multiple months. And that they are currently working on getting as much information to build a case. Im honestly distraught because I have trusted them with my service for years, and it seems that I am really receiving the short end of the stick. I am not sure how in the world XXXX can be taken out of my account without having been showed an ID. Or why the bank where this had occurred in was not brought into this discussion. I will NOT be recommending this bank to anyone. As someone who has been a loyal customer I am completely appalled by their negligence with my money. I was told that if any updated information was found I would be sent something in the mail. It has passed almost two whole months. And still I have no information. I live in XXXX XXXX, and the bank that allowed for this is located in XXXX XXXX IL in XXXX. It is about XXXX miles away from my home, and I have never set foot in that area. I am tired of waiting and not hearing anything back regarding my isssue.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX Opened on XXXX XXXX, XXXX {$980.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX {$200.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Money was taken out by someone else who had access to my phone. 
In XXXX Chase XXXX has let another unauthorized user transfer money to their account. And I was not able to get it back due to bank claiming it was already sent. And nothing they can do. I have took the loss and moved on. But this should not have happened in the first place. I believe chase has not followed proper procedures to ensure customer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020 I purchased a workout bench and ( 2 ) 90lb dumbbells from a site XXXX 

The price was very good, then started to think maybe it was too good of a price and I started to get worried. 

I received the order number XXXX confirmation email and being that I used XXXX to pay, using my credit card number I received that receipt as well. Both, showed my correct mailing address. 

XX/XX/XXXX. I emailed them asking when the soonest I can receive the item since I paid the extra expedited shipping. No answer. 
XX/XX/XXXX I email them to ask when it will be shipped and when I can expect it. No answer. 
XX/XX/XXXX I email again and state if I do not hear back on shipping details or some kind of communication that I would contact my credit card company and treat it as fraud. Again, no answer. 

I reached out to my credit card company. They issued a fraud claim and said they would look into it. In may time frame I was notified that they were in communication with the seller that that they showed proof of delivery.

The proof given was a USPS delivery notification of 1 package delivered to a mailbox in a town and hour away from me. That should have been enough to show it was not delivered. Wrong address and fitting a workout bench and ( 2 ) 90lb dumbbells in a mailbox. 
I disputed their resolution and mailed them the 3 unanswered emails and the XXXX receipt with correct address and receipt from my order, that shows the correct address. 

Chase credit cards supposedly looked into it again and determined their initial findings stand ; meaning they are treating it as non fraud and that it was delivered. 

So, If they had looked they would have seen it was the wrong address and a workout bench and dumbbells were delivered in a mailbox. Addtionally, the site I bought it from is now defunct and shutdown ; having just disappeared. I told chase this as well. 

The letter I received from chase states that per this resolution, they will no longer accept anymore correspondence on this matter. 

They amount of the purchase is {$180.00}. I chose Chase Credit cards, because of their fraud prevention. They did not protect me  and seems like they did not actually look into the matter as common sense would show this is blatant fraud from XXXX, per the receipt I received in part XXXX. I need your help to escalate to someone at Chase who has the common sense and authority to look at this again. You would think Chase would have looked into this and to protect its consumer. It appears they did not look into the matter, due to the blatant signs of fraud.
Product: Checking or savings account

On XX/XX/XXXX I attempted to access my checking account to pay my bills and was unable to enter my account. I entered the login information correctly and was kicked out immediately. Received an email warning me of a duplicate session. I called the bank and went through the routine, clear your browser, etc, etc. I was told the issue would be resolved by close of business that day. I tried logging in the next morning XX/XX/XXXX and the same thing happens. I called again and was told I would receive a call from the bank. The call never happened, On XX/XX/XXXX, XXXX, XXXX, XXXX did the same thing. Could not login, called the bank everyday and was told they were working on it. That they had many customer issues to take care of and would get back to me. At this point my bills are already going to be late for payments. I asked the rep to just have my account reset. To send me a link via email to do so. Apparently that is not possible? This is ridiculous! Today is XX/XX/. I still can not access my First BanCorp account. AKA 1First Bank in Puerto Rico. The level of disregard for customers in the banking industry on this island is beyond unacceptable.
Product: Debt collection

IQ Data International Inc. never notify me about the debt. I didn't receive any letter in the mail, call or text. It just appear on my credit report
Product: Debt collection

The account name : XXXX XXXX in the Amount of {$1600.00} has attempted to collect a debt that is not mines. 

I have asked Experian to provide a method of verification but I have not yet to receive my method of verification 's. 

Under the 15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I am requesting that these items be deleted off my credit report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

XX/XX/2021 XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported inthose account to be update They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I paid the amount I owed on my Comenity XXXX XXXX  card in full on XX/XX/20. Now am receiving emails that I owe {$59.00}. It is still accruing late fees even though I paid in full. I have seen lots of similar complaints about Comenity online : XXXX XXXX XXXX/comenity-bank-reviews
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is already PAID with no balance.