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

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX  XXXX Account Number : Account # XXXX ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Debt collection

There is no signature on this count. I've never met these people. I have never had a meeting of the minds with these people. I have never set across the table and discuss any terms. I have never received a payment schedule. Or what my minimum monthly payment should be or could be. I have not received any information about this. I need this deleted as there is no way. This can be validated or verified. As me.I never did any of this.I should not have an account with these people
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled
Product: Credit reporting 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. 


Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Us Bank is closing a credit card account ending in XXXX that was a secured card opened in XX/XX/XXXX, the employee pressured me to sign up for a XXXX XXXX  secured card to reach sales goals with no intention of extending credit after the 12 month maturity date of XX/XX/XXXX instead a notice was sent ( see attachment ) on XXXX a account review letter stating for no reason they were closing the account at their election, this card has been paid on time for 10 consecutive months with excellent utilization activity according to all 3 major credit reporting agencies, i did not want this account but i was sold a product that did not meet my needs for sales goals set by this bank of products that never benefitted the customer, i was sold the fact that an extention of credit would be issued for 12 on time payments i have 10 and now they cut my line of credit when the sales quota was met, i have been violated by this bank and want justice for this institution exploiting my credit and using pressure tactics to promote company products and using them to redline customers of credit opportunities with fraudulent account closures
Product: Vehicle loan or lease

This item was already removed once. This company refuses to reconcile.
Product: Credit reporting or other personal consumer reports

Im filing this complain against Chexsystems they have not removed the fraudulent inquiries from my report in going to send the police report and ftc complaint and the copies of the chexsystems report to show there is over 43 inquiries in my report that someone has made with out my permission, these inquiries are fraudulent, please remove these inquiries as I did not try to open any accounts but these inquiries are stopping me from opening a checking account because this is hurting my credit and me financially, either remove these items from my report or Im going to have file a lawsuit tk have them removed, Im also sending a letter from a lawyer that I have hired to sue XXXX for the same thing, Im tired of asking and now I want these off and please do not come back with some excuse wow yall cant take them off or yall ignore what I send yall, now take everyone of these inquiries off my credit report or be sued, this is manipulating what have sent chexsystems, I will keep all copies of these complaints tk show how many times I have filed against Chexsystems and they have failed or didnt do there job, remember this complaint will be kept as evidence and can be used against Chexsystems
Product: Debt collection

This XXXX  was disputed and removed from all three credit reporting agencies prior to XX/XX/2020, I checked my XXXX  report and this same account was re-added under another collection agency, nothing sent to me confirming the account which I had previously disputed and had removed because it did not belong to me. This should not be legal that a collection company can add a collection and not verify or send the consumer notification regarding a fake account.
Product: Checking or savings account

On XX/XX/XXXX. Chase has closed my account without any reason. I tried to contact Chase and was told that " We restricted your account ending in XXXX for closure because we needed to verify third-party issuance of XXXX checks, made out to XXXX XXXX XXXX you deposited totaling {$7000.00} on XX/XX/XXXX. Since we were not able to complete verification within a timely manner, we closed your account and placed the remaining funds of {$7600.00} in suspense. '' Then, Chase sent me a check for {$660.00} but still withheld the remaining {$7000.00}. I tried to ask the issuers of the checks to recall the checks, however, they were being told that as the deposits had been made, there is no way for the issuing bank to recall or stop the payment. I am requesting Chase to send me more detailed instructions to mitigate this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says they investigated it but found that one student loan shows a balance. They said they contacted student loan and said the information was correct. So I went online ( student aid.com ) and checked my account on the student loan website. It shows that all student loans have been discharged. Even the ones that Experian is saying is still open.
Product: Mortgage

My wife and I originally applied for a refinance mortgage through Quicken Loans ( Rocket Mortgage ) on XX/XX/2020 with XXXX XXXX. After a while of no contact, no communications, even after e -mails and phone calls, we finally ended up with a new loan officer,  XXXX XXXX XXXX XXXX He said he would take care of everything. He worked up a new estimate, redisclosure package on XX/XX/2020. He sent me a voicemail on XX/XX/2020 saying all was well and Quicken Loans was going to take my mortgage refinance. That was the last I have heard from him. I have tried e-mail, left messages on his phone, left messages on their message board, left messages in his text messages on his phone. We have contacted client services, who have said he would call back, his supervisor would call back, his director would call back. Nothing has happened. Last Friday, XX/XX/2020, I called and talked to a XXXX XXXX and was told she was in contact with XXXX and he would be calling us shortly, that never happened. We have done everything they have asked, including signing The Intent to Proceed on XX/XX/2929, and yet no communication.
Product: Credit reporting or other personal consumer reports

I am rewriting this complaint to TRANSUNION that I want to dispute specific records in my credit file that are unverified, inaccurate, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. Please see also the attached FTC report to support this fraudulent information with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX
Product: Credit card or prepaid card

Purchased a {$50.00} XXXX  gift card on XX/XX/18 for a XXXX gift. Daughter checked balance on XX/XX/18 and it was XXXX. Went to store of purchase and they said card was used XX/XX/XXXX in XXXX XXXX while I was at work in XXXX  XXXX CA. 65 miles away. XXXX XXXX   and XXXX  will not assist in any way. Totally bummed for my daughter.
Product: Debt collection

XX/XX/XXXX due to XXXX XXXX XXXXXXXX management not being able to hold up their part of the contract which is to provide a safe place of living for my family. Many incidents happened in the short time from when we moved in and i made the property management aware ans they were unable to fix it so we moved out. We were in communication by email and phone with XXXX XXXX who works in the office there. Our final move out bill was {$480.00} which was given to us on XX/XX/XXXX. No other fees due to landlord tenant rules in Hawaii where they failed to uphold their end of the lease. I have police reports and other emails. On our credit report it is being reported that we owe {$5500.00} by National Credit Systems. XX/XX/XXXX I sent a email and letter to both XXXX XXXX XXXX and the collections agency and none responded. Myself and my XXXX other family members on the lease have disputed this on our credit reports and no success. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tried to set up at mediation before i take them to court and now XXXX XXXX XXXX Management is saying they have no record of me at all. I have a letter from the mediation center.
Product: Prepaid card

One hour after purchasing my {$500.00} VISA gift card, I registered my card and thought I was taking every precautionary measure necessary. Immediately, following my registration the entire {$500.00} was, fraudulently, withdrawn from my card in one single transaction.
Product: Credit card or prepaid card

Hello, One day in XXXX ( I think ), I logged into my citi account online to check credit card balance. When I logged in to the account, I was " offered '' an " upgrade '' of my credit card. This offer randomly pops up sometimes. I ignored previous times, but I said OK for this one.. thinking that it's an " upgrade '' to my current credit card account. I had {$250.00} of cashback available in my account at this point, before the upgrade. 

I knew that this was a different card " type '' but it said ( and I also thought ) it was a rewards card. So, I thought all my rewards and other benefits will carry over. 

Upgrade went thru fine. Everything was online.. a few clicks, that's it. I received a new credit card a few days later. I didn't bother much. I don't actively use this credit card. So, I don't login every day or every week to check my account balance. 

I logged in sometime in XXXX to check my cashback balance -- thinking that it will be carried over from my old account to new. However, it didn't happen. I kept waiting and kept logging in a few times.. every week to see if it updated the account with my cashback balance. However, it didn't. 

Finally, I called up citibank customer service and they were very rude when asked for clarity on my cashback. Rep cashback was lost already because I changed my card and that it was mentioned in my terms and conditions at the time of upgrade. 

I was surprised and shocked knowing this. I would have let it go if it was XXXX . However, my cashback was {$250.00} and it's hard earned. Citi won't just give away {$250.00} just like that. I probably spent XXXX $ - {$20000.00} to earn {$250.00} cashback. So, I strongly feel this is my hard earned money. 

Anyway, customer service didn't budge. I escalated it to the rep 's manager - and she was even more rude. I hung up. 

Later that day, I reached out to " XXXX XXXX  XXXX '' from XXXX. It's a TV program on XXXX where they try to help with such consumer complaints. They replied back saying that they don't get involved with credit card issues due to privacy related matters. 

Hence, I am reaching out to you. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my account ( [ Your Account Number ] ) as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b.

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report.

In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim.

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter. 

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within 30 days of receiving this letter, as required by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXXXXXX XXXX Account # XXXX Current XXXX XXXX Experian Account XXXX Account XXXX XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX Account Type Revolving Account Type Revolving Account Type Revolving Status Current Status Current Status Current Opened XXXX Opened XXXX Opened XXXX Credit Limit {$100.00} Credit Limit {$100.00} Credit Limit {$100.00} Payment {$0.00} Payment {$0.00} Payment {$0.00} XXXX {$0.00} Balance {$0.00} Balance {$0.00} Date Reported XXXX Date Reported XXXX Date Reported XXXX Amount Past Due {$0.00} Amount Past Due {$0.00} Amount Past Due {$0.00} Count of Late Payments XXXX Count of Late Payments XXXX Count of Late Payments XXXX Condition Open Condition Open Condition Open Responsibility Individual Responsibility Individual Responsibility Individual Creditor Contact : -- - Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. I told Equifax to reinvestigate these accounts : XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Account showing on my credit report that has been paid and was agreed upon to delete : XXXX XXXX Account number : XXXX Payment Information and confirmation : Account Number : Ending in XXXX Original Creditor : XXXX XXXX  Confirmation Number XXXX XXXX