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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TDRetail Credit XXXX.-XX/XX/2020 Checked my credit report and my score dropped by 95 pts. I investigated and learned that XXXX reported a missed payments for 90 days. I assumed I was in the COVID 19 act and delayed my payments. When I called XXXX they informed me that I needed to register for program. That was the first I learned of this. I never received a bill or notice of late payment, in the 90 days I told XXXX I would pay my bill but they refused to cooperate and would not remove the report to the credit bureau.
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You instructed me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. Despite my request for validation, it has not been provided. Please update the following accounts immediately : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXEquifax : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously stated, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). Additionally, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Debt collection

My identity was stolen and used to apply for apartments. The company now claims I owe {$16000.00} as of XX/XX/XXXX. This claim is based out of XXXX, Florida. I have reached out to the collections team and reported it as fraud and they have sent me the following steps to verify I was not the one involved in the process. The debt collection request came from Columbia Debt Recovery LLC DBA Genesis. The original creator was XXXX XXXX at XXXX and placed for collections on XX/XX/XXXX. Since learning of these issues I have signed up for credit protection and locked my account for further inquires.
Product: Credit card or prepaid card

I discovered that I had fraudulent charges on my First Digital MasterCard on Tuesday, XX/XX/2022. I also noticed the same day that my credit score had dropped due to overuse of my card. I then contacted the company via the number on the back of the card. They said that the card had been cancelled and they had mailed a packet to me to argue the charges but also said that I am responsible for all charges until the dispute had been settled. I was told by the number provided by the FTC that I am only responsible for non-disputed charges which was not mentioned by the XXXX XXXX representative. XXXX XXXX said that they have issued a new card but I have not received anything from them.
Product: Credit card

I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against AMEX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 
XXXX ( f ). On XX/XX/year>, AMEX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purpose-such as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. 
I have no such relationship or outstanding debt with AMEX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against AMEX to prevent future illegal activities. 
I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Barclay is reporting my credit as being late or non payment when they closed my account and I'm paying them off through a third party collector. XXXX XXXX XXXX XXXX. I have been perfect with payment history and paying them back.
Product: Money transfer, virtual currency, or money service

My phone was stolen I dont have no passcode to unlock the phone my password are in the phone so I immediately as it happened I reported it to cash app not reported it to my bank, and also reported to the police and cash app is refusing to give me my money back. They keep denying my claim talk. I didnt report it in a timely manner, but I reported as soon as it happened to cash app, I reported it to my bank as soon as it happened and they refused to give me my money back. Im not understanding like whats happening, I reported when I was supposed to report all the evidence on my phone. I sent them evidence and they still refusing to give my money and then after that I made four different claims and after the last and took the rest of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the company in my previous complaint and I did as asked of me the company provided the non working fax number to send the police report. I also emailed the company in no response. Also called and left messages about getting the matter deleted from my credit report still no one has answered my attempts. I also sent copy of the police report by mail the company can see that it's an issue.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and it's loaded with inquiries I don't recognize, all because some company decided to pull my credit without my permission. This is a complete invasion of my privacy and it's messing with my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed complaints with CFPB on XX/XX/XXXX for XXXX, Equifax, XXXX regarding accounts being on my report that were opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! 

CFPB Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX It has been over 30 days and NOTHING has been resolved!!! 

Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! 
Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

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

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of my credit report disputes by the major credit bureaus : XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit reports, I have encountered significant obstacles and inadequate responses from each of these bureaus, which has left me feeling utterly exasperated. 

XXXX : Non-Responsive Behavior XXXX has failed to respond to my disputes altogether. I have submitted multiple dispute letters, providing detailed explanations and supporting evidence to demonstrate the inaccuracies in my report. Despite my efforts, XXXX has not acknowledged or addressed my concerns. This complete lack of response is not only unprofessional but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX : Bogus Stall Letters XXXX has been sending me generic stall letters that do not address the specific issues I have raised. These stall letters claim that my disputes require additional time for investigation, yet they provide no substantive information or progress updates. It is evident that XXXX is attempting to delay the resolution of my disputes without conducting a proper investigation, which is unacceptable and in direct violation of the FCRA. 

Experian : Disputing the Legitimacy of My Disputes Experian has sent me emails questioning the legitimacy of my disputes, suggesting that they do not believe the disputes were initiated by me. This is particularly frustrating, as I have provided all necessary documentation and identification to verify my identity. Experian 's refusal to acknowledge and investigate my disputes is a clear violation of my consumer rights and further exacerbates my distress. 

Impact on My Financial Well-being The lack of responsiveness and inadequate handling of my disputes by XXXX, XXXX, and Experian has had a significant negative impact on my financial well-being. The inaccuracies on my credit reports have led to unfair denials of credit, higher interest rates, and damage to my credit score. I am now at a point where I feel helpless and overwhelmed by the actions of these credit bureaus. 







Request for CFPB Intervention I urgently request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to hold XXXX, XXXX, and Experian accountable for their non-compliance with the FCRA. I am seeking immediate and thorough investigations into my disputes, as well as appropriate penalties for the credit bureaus ' failure to fulfill their legal obligations. 

I am deeply frustrated by the current situation and implore the CFPB to take swift action to ensure that my disputes are addressed fairly and promptly. I believe that the CFPB 's involvement is crucial to rectifying these issues and protecting my rights as a consumer.
Product: Credit card or prepaid card

Hi I was unable to use my Victoria Secret credit Card on XXXX XXXX. I was unaware that it was closed. I was embarrassed as I tried to make a purchase and it declined three times. I then called company to find out and they said it was closed on XX/XX/XXXX. I explained to them that I did not receive a letter or any type of message explaining reason. Theyre answer was they sent it in the mail. I never gotten a letter because I have paperless billing also I never received anything from message center as well. I asked why and they couldnt give me an exact answer. I have been with them since XXXX. I paid on time and just paid them off in XXXX of this year. I am very disappointed that my account has been closed and I did not give Permission to close my account. I have this account for my daughters. I cant understand why this has happened. There is no recitation on me asking to close my account. I have had this account for a long time. I had issues with them before lowering my account and making my credit score drop down. I had to call and inquire about this as well. I dont appreciate it and will not tolerate this type of association with my accounts. I would like this resolved and put into place as I would like my account reopened. This is inconveniencing me as well. Also my daughter is an authorized user. What if she would have gone to make a purchase and was not aware that account was closed. It doesnt make since to pay off a store credit card in beginning of this year and have it closed two months letter without warning. I believe Victoria Secret should at least send out an email or message stating why or telling you to use your card. They send everything else through messages. 

Best regards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 's : 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 
has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to XXXX  and Transunion : I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX Law requires them to respond within XXXX days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Checking or savings account

After the BBVA buyout of Simple, I am unable to access my accounts. On Saturday XX/XX/XXXX and XXXX I have called support numbers only to be hung up on and treated like XXXX by their outsourced customer service team. 

I have no access to my account whatsoever due to this XXXX.
Product: Student loan

The Companies involved include XXXX and XXXX. 
XXXX inherited this issue from Fed Loan. 

As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5.

I submitted in July my paperwork indicating I was still working for a public service agency. 

After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. 

Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. 

I am attaching what I submitted at that time. 

Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.
Product: Credit card

On XXXX XXXX, i called Citibank to transfer balance from my credit Union credit card account for {$5000.00}. Citibank said I could not make the transfer over the phone and I need to call the credit union. So I called my credit Union and made the transfer. But soon afterwards I realized this was not the correct- a payment should not be going to Citibank XXXX but a payment should have been coming from Citibank XXXX So I called my credit Union back to stop/cancel the balance transfer to Citibank, but credit Union said I had to call the member services department on Monday to cancel or reverse the balance transfer. And she assured me that the balance transfer would not be sent right away since it was the weekend. So I called Citibank back and asked again about the balance transfer and Citibank told me i couldn't make the transfer over the phone and had to make the transfer online thru their website. So I made the balance transfer online- {$5000.00} balance transfer to my Credit Union.. So I called my credit Union on Monday, XX/XX/XXXX, to cancel/stop or reverse the balance transfer to Citibank I requested in error. The manager at the credit union said ok, she would have the balance transfer stopped. But about three days later, I saw the balance transfer from the Credit Union posted to my Citibank account. My Credit Union did not stop the balance transfer transaction and did not notify me about my transfer. So I called the manager at Credit Union on Wednesday, XXXX XXXX, and asked her why she didn't cancel my balance transfer. The manager said she couldn't stop an electronic payment. So I said that she should have told me that from the beginning instead of having me believe she could stop it. The manager just apologized and said she didn't know she couldn't stop an electronic payment already in route. So I called Citibank and explained situation and requested they send back the {$5000.00} payment from Credit Union or send me a refund check for {$5000.00}. ( my balance at Citibank was only {$35.00} when they received the {$5000.00} payment from Credit Union ) They said they would investigate and send me a refund, but I received a letter from Citibank on Wednesday, XX/XX/XXXX stating that I'm not receiving a refund. I called Citibank again today, XXXX XXXX requesting again the {$5000.00} payment and asking why the letter i received from them denied my refund request. Citibank stated they would investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Loan balance in XX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called XXXX XXXX XXXX and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I applied for an Avant credit card. I was approved for XXXX. Company could not confirm my phone number a XXXX  part of the application process to receive and complete the application. It was problem broken at their end I called several times and was given the run around. I NOW DO NOT WANT TO DO BE SOMETHING BUSINESS W THIS COMPANY.. I REQUEST TO RECIND MY APPLICATON. AND ALSO TO REMOVE THE HARD INQUIRY FROM MY CREDIT REPORT NOW. They are a garbage company