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

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX  XXXX number XXXX payment late XXXX 2021. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

XXXX  XXXX  AKA XXXX  XXXX says I owe for phone/internet/something service at an address I have never lived at or know anything about.
Product: Consumer Loan

I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA
Product: Checking or savings account

I began working for a XXXX XXXX XX/XX/XXXX. My first check was a paper check dated XX/XX/XXXX in the amount of XXXX drawn from Bank of America. I deposited it into my BMO bank  account. Within a few weeks I began to receive statements from Bank of America about a checking account with my name on it. I contacted BOA and spoke to the Fraud Department on XXXX XXXX, XXXX. I explained I didn't open an account nor authorize anyone to open an account and I want it closed IMMEDIATELY. I asked the representative if BOA opened it because the date it was opened was shortly after time my paycheck cleared. She assured me they wouldn't do that, they would need my authorization. She told me I would receive and email with instructions and paperwork in the mail, instructed me to mail back a copy of my SS # and sign stating I didn't not authorize. I refused to give my SS #. I received another statement with fees in the mail on XX/XX/XXXX. They refuse to close it. I took a photo of the check the day I deposited it. I did not open any accounts with Bank Of America and they refuse to close it.
Product: Credit reporting or other personal consumer reports

This company is erroneously listing an account on my credit report. I've reached out to both the original creditor and credit management with proof this is not mine. It is still listed on my XXXX XXXX XXXX reports. XXXX has deleted the collection after investigation. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently received an email from Dime Community Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and with whom I have a fairly large account. They informed me that I have been locked out of my account due to inactivity and that I must call in order reactivate it. I tried to login to my account and can not, I sent them an email via their website and I have called the provided customer service number, XXXX, on XXXX different occasions in the past week, including today, XX/XX/21, in order to reactivate my account and I have experienced wait times in excess of XXXX hours on each occasion ( currently in excess of XXXX hours on today 's call ) without a service agent ever picking up or response from Dime of any kind. They are making it impossible for me to access my account as they provide no other options in which to reactivate the account other than by calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I filed a complaint with Experian XX/XX/XXXX and XX/XX/XXXX I never received any correspondence from Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify,.
Product: Checking or savings account

opened account via online, then I was told that I needed to provide additional information which I did. then I was told my account was opened, then I go to branch and then I am told that I had to provide my identity documents again and that it would take an additional 5 days. so far it been a month plus. The last time they took my identity documents and passed it among the office staff.
Product: Credit reporting or other personal consumer reports

I could freeze my credit report if I paid them {$24.00} per mo. 
Fri, XX/XX/XXXX, XXXX, via e-mail " Your Experian credit file has been unlocked Because youve cancelled your paid membership and no longer have access to XXXX, your Experian credit file has been unlocked. So, any upcoming scheduled lock or unlock has been cancelled. Upgrade your account to use this feature again. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX, Washington  Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XXXX-XXXX  which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
Product: Debt collection

XXXX, XXXX XXXX XXXX sent me a collection letter ( attached ) offering to settle a bill i owe to XXXX. I have not had an account with XXXX for the past XXXX years and have no outstanding phone bills of any type. 

This is not legitimate as I have an unusual name and there could be no mistake here. This can not be a bill owed by someone with the same name - there is no such person. Searching online, I found numerous allegations that this debt collection company commonly makes false claims and any attempt to contact the company will result in their phishing for more information to attempt to obtain payment or harass people for payment. There are even allegations of them recording calls and cutting and pasting a " yes '' answer to a statement acknowledging the debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inability to obtain my consumer report from Experian, XXXX, XXXX. On XX/XX/year>, I requested a copy of my consumer report and was informed that additional documentation was required to verify my identity. 

I promptly submitted the requested documents, including my Drivers License and Utility bills, as instructed by XXXX, XXXX, And Experian. Despite complying with their verification process, I have yet to receive my consumer report. 

I made several follow-up attempts to inquire about the status of my request, but I either received no response or was given unsatisfactory information regarding the delay. This failure to provide my consumer report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take immediate action to ensure that XXXX, XXXX, And Experian provides my consumer report without further delay and that they address any procedural deficiencies in their identity verification and report issuance processes. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 on the corner of XXXX XXXX and XXXX in XXXX, New York, I was approached by a male, XXXX XXXX, over XXXX, mid to late XXXX. He asked me if I knew anything about overdraft fees from the bank. He claimed to have a balance of - {$300.00} in his bank account and he had a check for {$800.00} that he wished to deposit but didn't want the bank to deduct {$300.00}. So he asked me to deposit the check for him and give him the cash. I obliged and deposited the check in an ATM. Immediately I had a balance of {$500.00}, I took it out in cash and gave it to him. The next morning the remaining money cleared and I sent it to him via XXXX. It wasn't until XX/XX/XXXX that {$800.00} was deducted from my account and I realized the check was a fake.
Product: Bank account or service

I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX points when completing requirement of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying the requirements, ( which I fulfilled on XXXX/XXXX/16 ) the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as satisfying the requirements however now they are refusing to fulfill my points
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information from XXXX XXXX and XXXX XXXX was part of a data security incident in which sensitive personal information was accessed by an unauthorized third party.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed a collection company, XXXX XXXX XXXX appearing on my XXXX credit report. I was also receiving SMS messages to my cell phone from another company, XXXX XXXX XXXX claiming they are an agent for XXXX attempting to collect on an alleged debt. I do not know either of these companies and never did business with them. I dont owe any one anything. I then filed a dispute on line with XXXX credit report agency, then filed a formal complaint with the department of consumer affairs on XX/XX/year> against both XXXX and XXXX XXXX XXXX That complaint # is XXXX. As a result, XXXX credit reporting agency, after a very intense investigation, removed this alleged collection agency, XXXX from my credit report on XX/XX/year>. Furthermore, XXXX XXXX XXXX through the department of consumer in there response agreed to remove my information from there collection list and removed my phone number and added it to the do not call list. Now, Today, I checked my equifax credit report and noticed this collection company is still appearing on my equifax credit report. Im demanding that equifax immediately remove this collection company from my equifax credit report. Attached documents supporting my request are attached. This is hurting my fico score and making my eligibility for better interest rates and credit impossible. Also a complaint was made as well to the Federal Trade Commission on XX/XX/year> That complaint # XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER 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 Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients
Product: Debt collection

AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XXXX XXXX XXXX  Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXXXXXX XXXX XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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 und 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY!!!