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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.
Product: Mortgage

Our household came under financial duress from a business failure temporarily keeping us from making mortgage payments with PHH Mortgage. We re-established income, completed the offered forbearance plan, and immediately applied for loan modification in order to get a reasonable payment. Since XXXX, PHH has intentionally blocked our application for ( 9 months ) through repeated use of bogus rejection reasons. They have now issued a Notice of Default through a lawyer, in an attempt to force us into selling our home. 
Research shows our case is not isolated. We need relief to prevent PHH from forcing us out of our home.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX a credit account was opened without my authorization or me knowing that the account was opened. I received the credit card in the mail and immediately contacted Synchrony Financial for a resolution. Upon their investigation they insured me the account was open fraudulently. Synchrony Financial submitted a request for removal of the account and inquiry to be deleted from my credit report to the three major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my XXXX report. I have contacted Synchrony Financial many times and have disputed the inquiry that still remains with XXXX just as much. The account has been removed but the inquiry still remains. The other two credit bureaus have removed the account and inquiry from my credit report for some time now. I have submitted a letter to XXXX for further investigation and removal of this inquiry as well as taken steps with Synchrony Financial to see what the hold up has been regarding this issue. I have been told by numerous representatives that they have re-submitted a request of removal to the three credit bureaus and have been told to rest assure the issue has been taking care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not be taking this amount of time to be removed from my credit report especially since the account and inquiry associated was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}XXXX XXXX XXXX XXXX XXXX {$55000.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$8700.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

resurgent capital services is the same as lvnv funding I have contacted both of them several times asking them to provide with the written contract that I have with resurgent or lvnv funding that shows i went into agreement with them for whatever it is that they say i owe them for. they have not deliver. these XXXX companies constantly harass me with letters just saying i owe this debt that i do not. i have had identity theft its listed on my credit report and im trying to put my life back together
Product: Checking or savings account

XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.
Product: Credit reporting or other personal consumer reports

I did not give permission to be an Authorized user on this account XXXX XXXX I did not Authorize or want to be an authorized user. please remove this account from my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts on experian ,2 accounts from jpmcb ,1 account from discover have been in dispute since XX/XX/2020, XXXX and and XXXX have removed the accounts on the basis that they could not verify the accuracy of the accounts, so I would like to know how experian is saying they verified these accounts if the other 2 credit bureaus removed the accounts. where are the documents used to verify these accounts?, what is the name of the person in your company who verified these accounts? what documents did they use to verify them? please provide me with the name of the individual business address and telephone number.
Product: Credit card or prepaid card

On XXXX, my husband, XXXX XXXX XXXX, died from XXXX at the age of XXXX. Needless to say, this was a very unexpected event and my grief has been overwhelming and at times, disabling. My late husband and I have several credit cards and I didnt have a list of who was the primary card holder on each account. If he was the primary account holder, those accounts were closed. 

Citi card closed three accounts for which I was the primary account holder as Citi Card thought I died. I tried to log into these accounts to make payments, but since Citi Card closed them, I was unable to make payments online. I assumed, during my grief, that these were his accounts. It wasnt until I received a letter trying to reach my estate, that I realized they were my accounts. I immediately called and rectified the situation, including getting all accounts current. Unfortunately, these accounts had late payments and were reported to the credit bureaus. I did a dispute with all three credit bureaus as instructed by Citi Card, however they not remove these negative items from my credit reports. 

I have called Citi Card on multiple occasions to attempt to get this resolved. They were unable to be of assistance. Each time, Citi Card remove the deceased comment from my credit report. While I appreciate that, I need help to remove the late payments from my credit report. 

Specifically, regarding Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For the Costco Citi card, I made payments in XXXX and XX/XX/XXXX and not again until XX/XX/XXXX. Again, Citi Card closed those accounts thinking I had died, when in fact it was my husband that passed away. 

Given the nature of this situation and my long history of making payments on time, Im requesting that the late payments be removed from my credit history as it had a huge negative impact on my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( formerly XXXX XXXX XXXX XXXX, IA )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by Experian, late payments are inaccurately noted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However : Payment records confirm that the payments were made within the appropriate grace period. 
No delinquency notices were issued for the periods in question. 
The reported late payments violate 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of information in consumer files.

As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements.

Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of these errors demonstrates a failure to fulfill this obligation.

TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the correction from Experian. 
Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by these errors. 
Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.
Product: Checking or savings account

I have been with USAA for several years. I recently switched my banking over to USAA. For weeks they have asked for documentation and ID. All of which I supplied multiple times. On the XXXX without any notice other than the same email I have responded to they froze my checking and savings accounts. I did not get one phone call to my cell or home. I do not have 1 voicemail from USAA. I do not have a USAA number in a blocked list or anything. I called them, supplied the documents again that they wanted. Called back instantly to make sure those were received. USAA has had everything they need for the last 3 days and yet after more than 9 calls and escalations my accounts remain frozen. I can not get my medications or food or pay bills. My bills are being returned and Im getting fees and USAA says I have to wait for the back office to release the hold and the only way they can communicate with this back office is via email. I have been paying my insurance bills for years and not one issue with identity as long as they are taking your money. I have even had my father who is next of kin supply documents and his XXXX and license and still here I sit going into day four with no access to my checking or savings accounts because I was just told I have to wait till the back office gets to me because Im not next in line. I would understand if there was something going on but there isnt and they have what they need and basically I have to wait until USAA decides I can have access back to my own money! I was told they do this to everyone and if I had known that then I would of never ever switched banks to USAA. I have called everyday explaining the urgency in me seeing my dr for my XXXX meds and I had to reschedule 3 times costing me {$50.00} that I cant pay right now either. Once they got what they asked for my accounts should of been unfrozen immediately. Im not a new customer I have been one for like 10 years. They need to stop doing this to people without making sure they have made contact with someone. A call and voicemails would of been nice to my house and cell none of wish I can locate and I have searched all call history extensively. They send an email to an app I may not login to that day and its not specific either. Its the same one theyve sent over and over. I need access to my account immediately. I need food and to pay bills. Im racking up fees and late fees. Is USAA going to pay the {$50.00} to XXXX dr or late fees to cap one or anyone else? I shouldnt be waiting 4 days to access my funds.
Product: Debt collection

XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX XXXX XXXX XXXX XXXX XXXX XXXX thay no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Ally Financial balance {$29000.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to XXXXection 605B, these items were to be removed from my file within XXXX business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXX, XXXX XXXX XXXX and XXXX XXXX CT XXXX XXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from LCI, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.
Product: Credit reporting or other personal consumer reports

The law firm IT department research has informed me that XXXX XXXX from XXXX scam XXXX XXXX stole all my funds including my missing benefits and have tracked it to the XXXX XXXX, a Cryptocurrency trading platform in XXXX XXXX. XXXX are involved and support XXXX XXXX in the money laundering and I have been having personal conversations with the CFPB employees that for over 7 years XXXX have been fraudulently closing my complaints immediately lying that it is an duplicate. They are running from the Truth and their fraudulent role in an money laundering scheme and they have unclean hands and any answers they give will implement them. They must explain XXXX and confirm my ownership or be fine by the Consumer Financial Protection Bureau is the Right thing to do.
Product: Credit reporting

National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 5'1financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Product: Credit reporting or other personal consumer reports

This account has caused me significant distress, to the poinXXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on personal credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I'm formally requesting the removal of disputed items from my consumer file as required by the FCRA. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Despite multiple attempts to correct inaccuracies directly with the furnisher of information, including sending multiple letters, I've received no response. The FCRA mandates accurate, complete, and verifiable reporting. If no proof of debt exists and the information reported is not verifiable, it can not be furnished to consumer reporting agencies. I'm not asking for an investigation ; I request that the entry be updated or reflected as closed/never late, as there's no evidence of its validity. I expect prompt action in compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX