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

I am formally filing a complaint against your agency for the blatant reporting of false information on my credit report. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my report have caused substantial damage to my financial standing and peace of mind.

As credit reporting agencies, you have a legal obligation to ensure the accuracy and integrity of the information you provide. It is your duty to conduct thorough investigations into reported inaccuracies. Your complete disregard for this responsibility is unacceptable. I demand the immediate deletion of all erroneous entries from my credit report.

The FCRA is unequivocal : consumers have the right to dispute inaccurate information, and you must investigate these disputes promptly. Your failure to correct or remove this erroneous information is a direct violation of my rights and constitutes a serious breach of the law. 

If this matter is not resolved immediately, I will take legal action, including pursuing small claims for every instance of wrongful reporting. I expect a detailed written response within 30 days outlining the actions you have taken to rectify this situation. 

This is not merely an inconvenience ; it is a violation of consumer rights that can not be ignored. I insist that you act in accordance with the law and rectify these errors without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft and I have reported the problem with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reached out to the companies already and got no help I have attached my Florida driver licenses which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Product: Credit card

I have been a long time Comenity Bank Cesars XXXX XXXX ( have never not paid a bill in entirety ) and recently my check got lost in the mail. When I was notified that the payment was late, I resent a check with the prior and current balance ( and even XXXX extra ). The late charge was XXXX and the interest was XXXX I have never been late on an invoice, have excellent credit and requested that these fees be removed. 

I spoke to an inarticulate employee, rigid manager, and was only able to receive a XXXX discount. 

Their excessive fee is outragious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 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 instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered the following charges on my credit card from TransUnion : XX/XX/XXXX : {$1.00} ; XX/XX/XXXX : {$19.00} and then recurring charges of {$19.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$80.00} ( as far as I can determine -- I'll need to pore over statements for the entire year to be absolutely certain ). I recall giving my credit card number to TransUnion as part of a " free '' credit check ; I believed it was part of the process used to identify me and had no idea that I was being enrolled in any kind of service that would require a monthly payment ; I have no need for that. What makes me furious ( I'll probably blow up if I call them ) is that : 1. ) They take advantage of people when they are most vulnerable ( I wanted to check my credit score because I was filling out rental applications, needing a place to live quickly, after a cross-country move to be near my aging father ) and 2. ) TransUnion was already called out on this one year ago ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-XXXX-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ ) ; apparently nothing has changed. Embarrassingly enough, this ( from the article link above ) is what I assume happened to me : " Deceiving consumers into enrolling in subscription programs : In their advertising, TransUnion and XXXX falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only {$1.00}. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program. Unless they cancelled during the trial period, consumers were charged a recurring fee usually {$16.00} or more per month. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. '' Thank you in advance for looking into this matter. I really appreciate your time and the service you provide.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX OF XX/XX/2024 XXXX OF XXXX XX/XX/2024 XXXX OF XX/XX/2024
Product: Debt collection

I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,
Product: Credit reporting, credit repair services, or other personal consumer reports

The undersigned is obligated to have obsolete information on their credit report deleted under Section 1681c of the Federal Fair Credit Reporting The following account list is obsolete. 
Account # XXXX, XXXX # xxxxxxxxxxxx XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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

In XX/XX/2022 I filed a complaint with XXXX, XXXX, Experian and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX 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 This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX XXXX : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Product: Credit reporting or other personal consumer reports

Fifth third bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX Removed the inquire from my credit report
Product: Debt collection

I am writing to dispute the alleged debt from American Accounts AD ( reported on XX/XX/2022, for {$220.00} ) with XXXX XXXX XXXX as the original creditor. 

According to the Fair Credit Reporting Act ( FCRA ), " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information ... '' ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I have not received any validation for this debt and request a thorough reinvestigation. 

Furthermore, the Health Insurance Portability and Accountability Act ( HIPAA ) prohibits the disclosure of protected health information without consent ( 45 CFR Parts 160, 162, and 164 ). The reporting of this debt through the original creditor 's name implicitly discloses my health information, which is a violation of my privacy rights.

Pursuant to FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I demand a complete validation of this debt, including a copy of any document bearing my signature, proving the legitimacy of the debt. If you can not provide this, I insist on the immediate removal of this debt from my credit report. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 all violated my rights.

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people.

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian taking way to long over 30 days to fix a ftc claim fca
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was paid a lease break fee in XX/XX/ and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXXXXXX XXXXXXXXcurrent. Now there is collection on my account for this amount totaling in THREE instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed
Product: Debt collection

Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} XXXX in XXXX  XX/XX/XXXX XXXX {$60.00} XXXX Web XXXX XX/XX/2018 XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$58.00} XXXX XXXX XXXX XX/XX/2018 XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX I live north of XXXX, XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until 1-2 days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a XXXX account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from Convergent Outsourcing, a collections agency for XXXX. I was confused, so I called XXXX and that's when I found out that there was a second account that had been opened. I have my own XXXX account that I use regularly and keep up-to-date for payments. 

I told XXXX that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized XXXX account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that XXXX 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with XXXX, Convergent, and my credit card trying to resolve this. XXXX has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the XXXX account.
Product: Credit card

Ok XX/XX/XXXX i request XXXX XXXX at Navy Federal and was told I wasnt eligible by email on XXXX XXXX past the 30 days of the request. Please let me know what action I can take.
Product: Credit card or prepaid card

I own 3 U.S. Bank Visa Gift Cards with {$500.00} loaded onto each of them for a total load value of {$1500.00} across the 3 cards. They were purchased on XX/XX/23. I was able to use one before I discovered on XX/XX/23, U.S. Bank had de-activated all of them and denied me access to my remaining {$1400.00}. 

When I contacted U.S. Bank on XX/XX/23 to request access to my funds, they asked for proof of ownership. They said once they received a copy of my driver 's license, a copy of the purchase receipt of the cards, and copies of the gift cards themselves, they would re-activate my cards. I sent U.S. Bank the documents they requested but they didn't re-activate my cards. When I called U.S. Bank, they claimed the documents were illegible and asked that I rescan and resend them. I complied and re-submitted the documents. But still U.S. Bank did nothing. 

In fact, I submitted my proof of ownership documents to U.S. Bank on 6 separate occasions, several by fax and once by mail, on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. Each time I adjusted the images on the documents as advised. Yet, as of today, XX/XX/23, U.S. Bank still has not returned my money. Essentially, U.S. Bank has stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I recieved a check in the amount of $ from my mortgage company issued by Chase bank and when I attempted to re open my chase bank checking I was told that chase bank no longer wanted to do business with me after they had lied to me and sold off my mortgage to XXXX. I attempted to cash my check then at a local branch as a non customer where this information was given to me and was told that the amount I was attempting to cash was to large and I would have to open an account with another financial institution or find another branch. I had already driven 2 hours to locate the branch I was at. I then spent the next two hours going to 2 other branches to be told the same thing. I called and spoke with customer service where I was told I would have to check with every branch until I found one willing to cash the check that was issued by chase bank. After finding the check cashing disclosure I found that no such limit on certified checks for non customers exists and one branch even said it would take 2 weeks to clear before turning me away after I agreed and inquired how to get started. So I was forced to return home where I was promptly helped by a check cashing service that unfortunately charged me 10 percent, I even called back and asked the rep about it and they basically said sorry we can't help you honor our check even after I explained I would then sue them for a refund of the XXXX dollars the check service would charge me for cashing the check. Let me also add this is funds that were for a fire that destroyed my home leaving me homeless. This was completely uncalled for, I feel I was completely discriminated against as I was offered no help to take care of my business.
Product: Debt collection

Kikoff.com have been sending me account payments due when I do not have an account made with them and then they would send me email to create an account afterwards for instance they said I have a payment due by XX/XX/XXXX, which was sent to me on XX/XX/XXXXXXXX XXXX XXXX and then a few minutes later another email from them said to create a password. with them. I cant get access to the amounts because I never created an account with them in the first place. I just keep getting emails stating I owe a payment by a certain day I contacted them to let them know and I got a reply that they have sent my case to the internal fraud team. I just need an FTC report to attach to the report as information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} REC XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Bank of America extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.