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

XX/XX/2015 Is The date the XXXX credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXXXXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all XXXX bureaus and have been informed by the bankruptcy court that they do not verify information for the XXXX credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion, XXXX XXXX # XXXX and XXXX it is extremely to communicate with your company so this will be the only way. I have attached your " reinvestigation '' below. Per your investigation youve stated that negative fraudelent tradeline labeled " XXXXXXXX XXXX XXXXXXXX '' is accurate. Your are once again violating FCRA as per XXXX and XXXX they have both stated that this tradeline is illegal and demanded that it be removed and have done so. How could you possibly have a different when you abide by those same laws? Secondly, XXXX XXXX XXXX is extremely fraudelent as I have provided you an FTC Report within the exact same dates that your company is saying doesnt match, so I have attached the orginal creditor date agreement they calim that I have signed. I have never lived in XXXX XXXX who your client collects debts for. If you read carefully the FTC report sates the correct dates of when I found out this fraudelent account was opend in my name! I hav sent over SSN and My ID and now you need proof of adress to change my adress and delte all other adresses so I have attached it below. If you do not remove these old adresses I will no choice but to report it to my state attorney general. The negative tradline XXXX XXXX is also fraudelent as I have never had two or any accounts with them ever and the history in this account is innacurate and mostly deserves a reinvestagation after they have refused to provide a US 1099-K for a written off debt. ( Same for XXXXXXXX XXXX XXXXXXXX ) The data is untrue and they have proof of me paying them. These companies are all violations of 15.US CODE 1692 as they have never sent information to anyone.This unlawful and demand that you remove these negative items after reinvestagation. Stop receving complaints and immedialty decling requests in under 48 hours after NO investagation! You are violating 15 U.S code 1681E. I also demand to invetigate the three hard inquirys in my prevoius CFPB complaint as I have not authorized these companies to pull my credit report! per 15 U.S code 1681I you have to veirfy the accuracy in these tradelines that you do busniess with! You have not done so, please remove these as you are violating my rights.i am aware of the judgment that CFPB has placed on you for violating these rental screenings as this fraudelent radeline is from a rental agreement that is and will never be mine! As far as my Identity Theft report you are also violating 15 U.S. Code 1681c2 Section C3 the fact that this tradeline has been here doesnt imply that I was aware or obtain goods or services even though I did not! Even if I disputed this tradeline in the past doesnt mean that this is mine, I know my credit rights yet Transunion continues to voliate me. I have attached all your emails below as this is not a proper way to handle CFPB, this company is stating that they have investigated my FTC report, verfied all these fraudelent tradlines are coorect and valid and all inaccuracies are assumed true in less than 48-72 hours
Product: Money transfer, virtual currency, or money service

i was checking my paypal and saw a transfer to XXXX XXXX account in the amount of {$56.00}. i didnt authorize a transfer to a XXXX XXXX i contacted paypal about this multiple times and they still refuse to give me my money back they claim it matches my previous history when i never had a XXXX XXXX account
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal i78nformation. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY BANK : Bank of America XXXX XXXX XXXX Florida XXXX Via Facsimile : XXXX Re : Bank of America Auto Loan Account Request for Correction of Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a Bank of America Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : Bank of America chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the Office of the Comptroller of Currency who directed me to CFPB.

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that Bank of America does NOT do, I'm asking because it shouldn't be there to begin with, this is Bank of America 's mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Federal Student Loan Balance, XXXX Data Breach , and FERPA Violation To Whom It May Concern, I am submitting this formal dispute regarding inaccuracies in my federal student loan balance as reported by my loan servicer, as well as concerns related to the XXXX data breach and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) . I request a thorough investigation and correction of the issues
Product: Debt collection

Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account
Product: Debt collection

This is in response from complaint XXXX. The license was not my only complaint from this company. 

For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.
Product: Credit card or prepaid card

Capital One has committed fraud and reps are liable via FDCPA Disputed XX/XX/XXXX Merchant responded Capital One requested proof of communication and my notification to merchant about fraud and goods. Was returned by XX/XX/XXXX with over 30 pictures showing proof requested. Stayed on the phone with rep to ensure it was received. She confirmed and said theyd resolve within 14 days. 
Not resolved. Called back and was told it was still being investigated. 
Called back at the end of XXXX and the rep said it was closed and could not be reopened. Rep said shes sorry no one revisited the investigation. I explained their negligence because they had all adequate information asked for. Rep said she could not get me supervisor and apologized. Told them Id be issuing a complaint as it was their fault it was past the amount of days for resolution. Put me on hold and said her supervisor gave the same answer. 

Names of some employees : XXXX Account Manager Fraud and Disputes Employee Id : XXXX I cited federal and she told me it doesnt apply and instead cited Per terms and conditions ILLEGAL XXXX XXXX ID : : XXXX XXXX Fraud Protection Department XXXX XXXX XXXX US based Frauds and Disputes Employee ID : XXXX
Product: Checking or savings account

T D Bank charge me for overdraft in which I had the account block on my business account if the funds are not in the account the transaction is not suppose to go threw. I see I buy something on my debit card it takes days to go threw. I also notice this time 1 transaction threw my account off and T D Bank charges me {$240.00} dollars for 1 transaction that the money was short on XXXX. I have been in a branch 2 times that there are not suppose to be no transaction be approved if the funds are not there. My next issue is that debit is suppose to be only approved if the funds are in the account. I did not agree to let transaction go threw my business account if the funds are not there. I also been to T D Bank about this and now this time 1 transaction cause me {$240.00} in over draft fees. My account is minus {$190.00} as to date for no reason due to the transaction throwing previous transactions off due to TD Bank not doing as we discuss. This is one of the worst banks I have had to deal with towards business. Month before my account was hack and while I was at the branch it took over 45 minutes to shut the account down. This as I was told was being doing by some company in XXXX as I was sitting at the branch in XXXX PA they was still making transaction it was cleared up 10 days later. My issue I should not owe no {$190.00}
Product: Credit reporting or other personal consumer reports

To credit reporting agency Request of removal of fraudulent account reporting I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within XXXX  days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

please see attached supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint off XX/XX/XXXX of XXXX. I told Experian to " investigate every piece of information '' on the account I have listed below. According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified and accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account are still not reporting XXXX XXXX accurate. I can see that the payment reporting history is all inaccurate and illegal. According to the FRCA 15 USC 1681, everything has to be XXXX XXXX accurate. Creditor : XXXX XXXX XXXXXXXX Account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account under FCRA - Account No. XXXX Dear CFPB Representative, I am writing to formally dispute the inaccurate and misleading information that is being reported on my credit report by William Rush & Associates . The account in question has the following details : Creditor Name : William Rush & Associates Account Number : XXXX Amount Delinquent : {$2400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Collection/Chargeoff Dispute Reason : I believe this account is being reported inaccurately in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA : No Contract with Collection Agency : I do not have any contractual relationship with William Rush & Associates, and I did not authorize any such entity to collect this debt on my behalf. As per 15 U.S. Code 1692e, debt collectors must report accurate information and must not use deceptive or misleading representations.

Incorrect Reporting of Debt : According to the IRS, an unpaid charge-off is considered income. The FCRA prohibits the reporting of income as a debt. This account was reported as a charge-off and therefore should not continue to be listed on my credit report.

Request for Validation : I have requested that the creditor provide a XXXX form to prove that this debt was canceled and should be considered income. However, no such form has been provided, and the account continues to be reported inaccurately. 

Action Requested : I request that the CFPB investigate this matter and direct William Rush & Associates to provide valid documentation supporting their claim or remove this account from my credit report immediately.

If William Rush & Associates is unable to verify the legitimacy of this debt, I demand that the account be removed from all credit reporting agenciesTransUnion, XXXX, and XXXX 30 days of this notice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Last XXXX Digits of XXXX : XXXX Be sure to include any relevant documents that support your claim when you send this letter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following message from XXXX, " We have located your Social Security number on a Dark Web site on XX/XX/2022. '' ( and ) " Next Steps : You can take immediate action by going to Experian.com/fraud to add a fraud alert to your credit file. '' I went to XXXXfraud and completed the process to add a fraud alert to your credit report. As part of Experian 's fraud reporting process I reported a name on my credit report that is NOT me with explanation of " Details : Never known by this name. '' When I submitted my fraud report I received the following error message, " The below XXXX item ( XXXX ) were not submitted and need your attention. '' ( and ) " Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item. '' I called the number provided 4 times. All 4 calls I entered my SSN and my identity was verified. On each call I quickly hit a road block dead end in their automated voice prompt telephone system. They continuously asked me either or questions with no remotely reasonable answer. After 45 minutes of frustration and attempting to find alternate ways of contacting Experian I gave up and the only reasonable solution was for me to fill out this complaint. 

Example Teleprompts : - Are you calling about the active fraud alert on your account? Yes- Do you want to add an alert or remove an alert?... no that's not what I'm calling about and there is no possible way to exit the teleprompt... eventually they disconnect the call and then I have to call back- Are you calling about the active fraud alert on your account? No - For questions about your Experian membership press 1 if you have general questions press 2. 

I find it concerning they're unable to assist with my actual problem and yet they seem to be " soft marketing '' their Experian membership program.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- -- -- TRANSUNION XXXX XXXX XXXX WY XXXX XXXX, CA XXXX. 
XXXXXXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information being reported on my credit file with Equifax numerous times. The most recent dispute conformation number XXXX I have attached the documentation from the company saying that the account was not late as well as the payment history but they wont remove it. They updated the information to say it is pays as agree but will not correct the historical legend reporting. I recently submitted a new dispute the confirmation number is XXXX on XX/XX/18 I spoke with XXXX XXXX she gave me XXXX and told me to call back. 

They keep giving me the run around. I have disputed this too many times and have given them the information they need but it seems they won't remove it because they keep saying they can't remove it even though they have the documentation and the letter saying it is incorrect.
Product: Debt collection

I have been receiving numerous phone calls from XXXX XXXX XXXX XXXX claiming to be the Litigation department for Capital One for a debt back to 2013 that is unpaid, threatening to garnish my wages, take me to court for an old debit I stopped paying to Capital One. Why isn't this on my credit report? They were trying to collect {$710.00}. What should I do about this?