23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I recently applied and was approved for a macys store card. The website was down and the phone department seamed to always be down and unavailable to service my needs. I was approved for a card about 90 days ago, and I haven't received my statements or anything yet. I made 2 payments in the store at macys and just received my card. There is such vague information about this account, and I'm able to pay bill online, app, phone, or instore. If I make a payment on the phone they charge a fee that can't be refunded 9r waived. The ability to make a payment is not available for me and this seams alarming. The ability is always their, but is always down for service and then I try to make a payment input the checking account information and it won't take it. The account says they take debit card Information as well and there is no way to put that In the system as well. I call to make a payment on my account with a debit card and they charge me a fee to make a payment that is impossible for me to pay other ways, online, app, or on the phone due to the system always having issues and freezes and crashes for unknown reasons I reported to macys. But my complaint is they charge even if the other ways are out of order. Not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 an account with my written instru
ctions.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX REQUEST NOTICE XX/XX/2024 EQUIFAX ADMITTED TO CFPB XX/XX/2024 THAT BANKRUPTCY HAS BEEN VERIFIED. PLEASE PROVIDE PROOF OF VERIFICATION.

The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to any 3rd party or reporting agencies and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt.

I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting.

EQUIFAX is currently reporting negative information as a violation to federal laws.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting or other personal consumer reports

Despite my prior disputes submitted to the credit reporting agency, the investigation results provided were insufficient and lacked transparency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the procedures used during their investigation within 15 days of receiving a dispute. However, this requirement has not been fulfilled to date. 

Furthermore, pursuant to the Truth in Lending Act ( TILA ), codified under 15 U.S. Code 1601, I am entitled to accurate, complete, and transparent reporting of my credit information. The continued reporting of this account raises concerns about the accuracy and verification process employed.

Provide a detailed description of the procedures used to investigate and verify this account.

Supply all supporting documentation or evidence used to validate the reported information.

If the accuracy of this account can not be verified, I request its immediate deletion from my credit report in compliance with 15 U.S. Code 1681i ( 5 ).

I request that the CFPB ensure this matter is resolved promptly, in adherence to the FCRA and the Truth in Lending Act. If the investigation fails to meet legal requirements, the credit reporting agency must remove this account as unverified.

I have exhausted all dispute options directly with the credit reporting agency and now seek the CFPBs intervention to ensure my consumer rights are protected. 

Thank you for your attention to this matter. I look forward to receiving a timely response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I, XXXX XXXX, applied for a cashReward account under good faith and was denied. My federally protected consumer rights have been violated. Navy Federal Credit Union has discriminated against me, and used my social security number with no benefit to me. That is considered unauthorized use. I was also not provided full disclosure in the adverse action letter that was mailed XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 a victim of equifax credit bureau breach, I have proof that they used my credit report improperly. there are accounts and inquiries that were made after XXXX, that i have absolutely no recollection of. 
The accounts and inquiries that I believe should be deleted immediately are as follows... 
XX/XX/XXXX XXXX account number XXXX with the amount of {$490.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$840.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$3100.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$7900.00} XX/XX/XXXX XXXX  account number XXXX with the amount of {$7500.00} these inquiries XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

I have paid the debt ( {$70.00} ) in XX/XX/2022. I continue to get notices every week from ARSTRAT  stating that I owe them {$38.00}. I have called the original debtor and they say that it has been payed. I have called ARSTRAT and they say the account has been settled and the account is closed. I ask why I continue to get the notices if it is payed, every time they say it is because I payed just before the notice went out. I say each time that I payed back in XXXX, why do I continue to get the notices. I want it to stop and I want them to stop calling.
Product: Vehicle loan or lease

I sent a letter of validation to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX, XXXX XXXX by an individual from Credit Acceptance. The letter was never acknowledged and I did not receive a response from the company within 30 days as I requested. I stated in my letter to comply by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) which they disregarded. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance. They sent me a letter onXX/XX/XXXX without all the information I had requested on my previous two letters and 60 days from my original letter. They did not comply with my request. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance requesting to remove this item from my credit report within 10 business days due to not complying with my previous two letters or I will have to take legal actions. They disregarded this letter also. This company has not complied with my letters or the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ). I am requesting this item to be removed from my credit report.
Product: Debt collection

Last year I was signed up with a debt consolidation group, XXXX XXXX. They had many of my credit cards enrolled including a discover card. I found in this year that they were not taking care of the consolidation as they were paid to do, they just took the money and ran. I found this out when I got a letter from XXXX, XXXX XXXX XXXX ( XXXX ) that they were suing me. At that time, I canceled the XXXX account and signed up with XXXX XXXX XXXX. I have spent HOURS trying to get XXXX  to speak with me, I have left numerous voicemails, sent multiple emails with no response. On XX/XX/XXXX I called the original debtor, Discover card and they connected me with someone at XXXXXXXX XXXX XXXXXXXX. He claimed to understand the situation and advised that he was going to request a letter from XXXX advising they would be able to work the new debt consolidation program and halt further legal proceedings. He told me I would have this letter on XX/XX/year>. It is now XXXX and I do not have this letter. I emailed XXXX multiple times in the past week with no response. I have tried calling multiple times and get no where as the people who answer can't talk to me and then send me to a line that puts me on hold for hours. I have reached out at least a dozen times with no response.
Product: Debt collection

I first noticed Berlin-Wheeler placed a collection account on my credit profile for a balance of {$410.00} with XXXX, XXXX, and XXXX. I then sent them a request to validate this account because it was paid before going into collections, and they got that letter XX/XX/2019 via certified mail receipt # XXXX XXXX XXXX XXXX XXXX. They replied by sending me what is suppose to be a statement but that amount shows {$350.00} as well as their account number of XXXX. The account number they are reporting is XXXX and they continue to report that number, the amount allegedly owed as {$410.00} and they have not marked the account as in dispute although they received my letter XX/XX/XXXX and update their account with the credit bureaus XX/XX/2019.
Product: Debt collection

I have a collection from XXXX XXXX on my Experian and XXXX credit reports for {$670.00}. I sent letters to both burues on XXXX and XXXX with copies of the following items proving this debt was not mine, and they refused to remove this collection item to-date. 

Items sent to credit bureus : a. Police Report No. XXXX b. Identity Theft Affidavit dated XXXX FTC Report No. XXXX XXXX Complaint XXXX XXXXXXXX filed with the Consumer Financial Protection Bureau d. Copy of Drivers License e. Copy of Social Security Card f. Copy of XX/XX/year> Pay Stub showing current address
Product: Checking or savings account

My accounts are with Chase. 
XXXX dollars I asked the teller to pull out in cash and she agreed and used the money machine counter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The teller promised me since I had to go that the money would be returned immediately into my account. But it was not! I went back to ca to local branch at home and they set me up with a fraud person who lied about receiving the messages to start an investigation. The date of when this happened was XXXX XXXX that the XXXX was stollen. This happened in show low Arizona chase branch.
Product: Debt collection

midwest recovery systems popped up on my XXXX credit report today, im sure the other two are to follow. i have never heard from this company, received a letter from this company, nor received any phone calls from this company. lastly they do not have a license to collect debt in the state of texas. this need to be removed from my credit report asap
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to tale timely and effective measures to prevent any address fraud on their platform leaving my account vulnerable and unprotected furthermore the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Identity Theft and Inaccurate Reporting From : 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  FTC Reference : # XXXX CFPB Case Number : ( Pending Submission ) Date : XX/XX/XXXX To Whom It May Concern, I am reaching out to formally address critical inaccuracies and fraudulent activity reflected on my TransUnion credit report, resulting in violations of my consumer rights. 

Background of the Issue Despite my proactive efforts to resolve this matter, including direct communication with XXXX XXXX and submissions to relevant agencies, discrepancies persist on my report. XXXX XXXX has confirmed they lack sufficient verification to attribute these accounts to me, which highlights a clear case of identity theft. Nonetheless, these errors remain uncorrected. 

Fraudulent Accounts & Inquiries XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5500.00} / {$8900.00} Date : XX/XX/XXXX Type : Personal Card XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5000.00} / {$7500.00} Date : XX/XX/XXXX Type : 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 Refer to included report Supporting Attachments I have included the following : XXXX. Affidavit affirming fraudulent accounts and inquiries. 


XXXX. Identity Theft Complaint filed with appropriate agencies. 


XXXX. CFPB Filings ( Pending Submission ). 


XXXX. Correspondence, including letters from XXXX XXXX XXXX XXXX, corroborating my claims. 


XXXX. Copies of my ID and Social Security card for verification. 



Applicable Legal Standards 1. 15 U.S.C. 1681s-2 : Prohibits creditors from reporting inaccurate information with knowledge or reasonable cause of its falsity.

2. 15 U.S.C. 1681c-2 : Mandates the removal or blocking of information resulting from identity theft. 



Precedent cases such as XXXX XXXX TransUnion LLC underscore the legal obligations of credit bureaus to ensure accuracy and compliance with the Fair Credit Reporting Act. 

Request for Action I request the following immediate actions : XXXX. Removal of all fraudulent accounts and inquiries listed above. 


XXXX. Deletion of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as it is unrelated to me. 



This matter requires urgent attention to prevent further harm to my financial integrity. I trust TransUnion will fulfill its obligations under the law. Please provide written confirmation of the corrections within 30 days. Should this issue remain unresolved, I will consider additional legal remedies. 

AND FOR THESE CREDITORS TO BE BLOCKED FROM ACCESSING MY CREDIT REPORT IN THE FUTURE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did not authorize this application please get this removed from my credit report
Product: Student loan

I have submitted the Federal Loan Forgiveness Application to  Navient twice once in the Fall of XX/XX/XXXX and in the Spring of XX/XX/XXXX. I when I called they said they never received the application however I have a fax transmission saying it was delivered successfully.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, 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, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Collection Opened at at 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 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 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 CriminalComplaint ( 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: Credit reporting or other personal consumer reports

18 U. S. C. 1028A & 15 USC 1681B ( 2 ) OAG CHILD SUPPORT {$73.00} XXXX i called credit reporting agencies and let them know these Document included below are not supposed to be visibe on mt consumer Report. i never gave them consent to report them.
Product: Credit card or prepaid card

On XX/XX/2018, I received a letter dated XX/XX/2018 from Bank of America " advising '' me that my credit card account ending in ... XXXXhas been closed because my " risk profile no longer aligns with the bank 's tolerance risk ''. As a result, all my " REWARD POINTS associated with this account they'll will be forfeited " Although i handled all my accounts with BofA ( checking and credit cards, personal and business, in an EXCELLENT manner, what is most unfair if not unjust and possibly illegal, is the forfeiture of XXXX reward points, valued at between {$12000.00} and {$18000.00} that I EARNED over a period of time ( by using their cards extensively, helping the bank make profits and myself EARN my rewards ). I let them accumulate so that my wife and I, now in our late XXXX 's age wise, can use later in life. 

Although upset that arbitrarily and for no justifiable reason the bank closed my accounts, I am demanding and expect to be allowed to redeem the points I earned by using the card ( by which use obviously the bank benefited enough to award me almost 2 million points over time )