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

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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

Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} 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 or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded by stating amount owed, but has not provided information stating it belongs to me. Anyone can send a bill stating you owe such amount. No proof or signature was shown stating this account was opened by me. 

On XX/XX/2017 XXXX XXXX  has reported on my account, collection agency PORTFOLIO RECOVERY added a derogatory remark on my credit report.This account was not opened by me. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PORTFOLIO RECOVERY violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out experian in many different ways, calls, disputes letters and complaints with no response at all, other than automated responses from their system, i want this account to be deleted from my credit report as is violating all my rights and following law 605b like fraud reporting and due to lack of investigation.
Product: Payday loan, title loan, or personal loan

Plainly I was Bold Faced Lied to about the terms and conditions of my loan agreement. The Interest rate first and most important! The amount that would be due each month and received only one phone call stating any concern about falling behind on my payment after calling to explain I'd be starting a new job as I was laid of during the pandemic and lost everything while struggling to eat. Without notice they repossessed my car, leaving me unable to get to the new job, walking 15 miles per day.If the country is pleading with Americans to get back to work then please explain how this helps the economy? Rules and regulations should be enforced when dealing with these companies which are designed to take an honest man 's assets from him and his family. Cutting of their primary means of transportation doesn't help anyone get to work, nor does that help our economy. I've put this situation in XXXX Almighty 's Hands and will leave it there. If their is anyone out there who could help me bring awareness to the hardworking family who may be thinking about getting a title loan, please I beg of you, help! Any way will help. This company Title Max should be shut down and the loans given like the loan given to me should be illegal ... Thanks from a seriously hurt hardworking man. XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Financial is reporting inaccurate information on an old car loan. They are reporting different information across all 3 bureaus, as well as different information for the co-signer. I have tried repeatedly to reach out to this company in order to get this straightened out and have not received any information back. They continue to report inaccuracies on my credit report, negatively affecting my ability to gain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file with Equifax. this issue has been on going an this is my 2nd attempt to delete an remove all inaccurate data. please review an remove the requested items listed in the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, XXXX and Transunion. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.
Product: Credit card or prepaid card

With citi bank they seem to have issues when you report them as I have issues with them and this time its no different they wont allow you to put a dispute in it gives you an error message - their dispute dept calls and e-mail are also useless as I actually forwarded the proof of dispute for another issue with them with another merchant and their executive team whos the ones looking at this which theyre useless said it will take them 15 days. Why should I have to incur interest on something etc that Im not allowed to dispute bc their website etc doesnt allow you to on the app or online. Or speaking to them personally or email.

I know they probably are making it difficult all around to make a dispute because I dont hesitate to contact here when theres issues. I want whats attached disputed I have the email from seller saying they would refund
Product: Debt collection

They only called during my working hours. Never left a voice mail message for me. 
They also never sent a letter to my home asking me to pay the debt owed. 
They admitted, on a recorded phone call, that they do n't leave voice mail messages and they do n't send letters. I found out about it through my XXXX account and I paid it immediately. It was {$180.00}. Had I known sooner it would have been taken care of then. They received my account in their office XX/XX/XXXX. I paid it XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Equifax, Experian, TransUnion Subject : Final Request for Investigation Completion and Removal of Inaccuracies To Whom It May Concern, I am writing in response to your recent communication stating that I must provide additional identifying documents to complete your investigation process. I have already submitted sufficient identification, which was enough for you to remove inaccuracies from my report previously ( XXXX  XXXX ) Therefore, it should be more than adequate to complete your investigation. However, I have enclosed my ID again in this letter. 

It appears that this request for further documentation is a stall tactic. As per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, you are required to ensure that the alleged accounts in question are verifiably mine and 100 % accurate. I demand that you provide a detailed list of the investigative tactics and procedures used to confirm their validity.

You have already exhausted the 30-day time frame allotted by law to investigate disputes. Therefore, if you can not provide undeniable proof of the accuracy and ownership of these accounts, I demand their immediate removal from my credit report within 15 days. Failure to do so will leave me no choice but to pursue legal action. 

I must also remind you that your delay in resolving this matter is causing financial harm, as I am unable to obtain a vehicle necessary for employment. Any further failure to act in compliance with the law could result in legal consequences, including damages for financial hardship. 

I expect your prompt attention to this matter and a written response detailing your findings. 

I have provided the original letter with high-lighted credit report and credentials to verify my identity. 

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

I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Debt collection

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was deleted from my credit report from all 3 bureaus back in XXXX. 


" If you discover that an old debt has reappeared on your credit report as a new account or contains inaccurate information about its age or status, it might be because a debt buyer " parked '' the debt on your credit report, or re-aged the status of your debt. These debt collection practices might be illegal.
Product: Money transfer, virtual currency, or money service

This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay
Product: Credit reporting or other personal consumer reports

The credit bureaus, Trans Union and XXXX has refused to provide any documentation regarding these accounts which arent mine I was affected by the XXXX XXXX Trans Union XXXX  data breach- someone has been using my information I have a placed a fraud alert on my critter reports. the bureaus are still allowing accounts to be open without notifying me with the password. 


Transunion 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
Product: Consumer Loan

The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. 

Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( XXXX and Equifax ) Payment History : XXXX and XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Equifax : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts. 
Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy. 
Failure to investigate : Per XXXX U.S. Code XXXX, you are legally required to verify and correct disputed information, which has not been done. 
Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( XXXX U.S. Code XXXX and XXXX ) : It is illegal to report inaccurate information and fail to correct it after a dispute. 
TILA ( XXXX U.S. Code XXXX ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness. 
Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report. 
This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Pursue legal action for violations of my federally protected rights. 
Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws. 
Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. The dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called Fifth Third Bank Corporate and got nothing more than a run-a-round by their customer service representatives on multiple calls by myself to them. That is the reason I am making this complaint.
Product: Debt collection

I recieved a letter in the mail from Convergent outsourcing plc claiming to be collecting a debt from XXXX in the amput of {$230.00}. I called XXXX who told me that I did not owe them anything. This letter is attempting to scam people out of money.
Product: Debt collection

Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from Wells Fargo. I never gave Wells fargo permission to sell my personal information to any one. This is the XXXX letter from XXXX in which they have not said how they retained my information from Wells Fargo. They have also failed to show my signature, account information. only to send letters saying that i owe them.
Product: Checking or savings account

On XX/XX/2024, Bank of America unexpectedly denied me access to my personal checking account and informed me that it had been closed. Unfortunately, they could not provide a specific date for the closure. Additionally, my direct deposit from XXXX XXXX XXXX has been frozen by Bank of America, leaving me unable to access my funds, pay bills, or manage my finances. Although I was told a cashier 's check would be issued to me, they have not been able to specify when it will arrive. I urgently need to either regain access to my accounts or receive the cashier 's check immediately. 

The money that is being held captive is a total of {$2200.00} Thank you
Product: Debt collection

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh  a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX with account number XXXX for the original creditor " JPMorgan Chase Bank, N.A '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Product: Credit card or prepaid card

On XX/XX/2022, I initiated a balance transfer request online on Fifth Third Banks ( my creditor for a credit card ) website for my XXXX XXXX ending in XXXX in the amount of {$1400.00}. Fifth Third Banks online balance transfer system automatically generates the balance transfer Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my XXXX XXXX. I contacted Fifth third and it was determined that the payment was sent to the wrong creditor. My XXXX XXXX was issued by and is serviced by XXXXXXXX XXXX XXXX. Fifth Third Bank mailed the balance transfer payment to XXXXXXXX XXXX. I have attached a copy of the check that was cashed by XXXX Bank on XX/XX/2022. 

Since contacting Fifth Third Bank by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to XXXXXXXX XXXX requesting that the funds in the amount of {$1400.00} be returned to Fifth Third Bank. She said in turn Fifth Third Bank would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, XXXX days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a Fifth Third Bank bank error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by Fifth Third Banks online balance transfer system.