23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date of last activity is left off and collection made to look recent. Date of Last Activity on Credit report reflects no date and should show XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XXXXXX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.
Product: Credit card

XX/XX/XXXX - XX/XX/XXXX unauthorized charges were made on my Apple Credit Card being used on a stolen XXXX. Ive filed multiple disputes with Goldman Sachs Bank USA as theyre fraudulently billing me for unauthorized charges. Ive provided them with a police report number of the incident and Goldman Sachs Bank USA isnt removing the charges.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I disputed a name that was not me on my account and they did not fix it. 

I disputed some accounts attached to my name and it wasnt handled properly
Product: Credit card or prepaid card

I applied for the American Express Gold Card on XX/XX/XXXX. The Refer-a-friend offer terms were : - XXXX Membership Rewards points after spending {$2000.00} on the card within the first three months - 20 % off dining purchases for the first three months, up to {$100.00} Because the 20 % credit did not post on my XXXX statement, I went on the chat feature on American Express website to ask about it. The chat representative I reached on XX/XX/XXXX said that the bonus was revoked. The representative provided no further details. 

I immediately called the number on the back of my card and asked to speak with a representative. This representative told me that the bonus was revoked because I had received the bonus on a completely different American Express card ( the SPG card ) back in XXXX. I was incredulous. 

The phone representative offered to transfer me to customer service. This new representative then said that my original understanding of the welcome bonus was correct, and that I am eligible for the welcome bonus. Furthermore, she said that I had already met the spending requirements for that bonus. 

There is no way for me to trust that she is correct, if both the chat and first phone representative said American Express revoked the bonus from my account. How can I trust this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with XXXX XXXX XXXX  was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with XXXX. After almost eight months, of informing XXXX that this account is not mine and that someone used my identity to open this account. XXXX continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX  with account number XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX  with account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message find you well. I am submitting this CFPB complaint regarding unauthorized inquiries I recently noticed on my 3 credit reports. While XXXX has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my XXXX credit report, I noticed these 5 unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for Experian and, in particular, XXXX. Like I said in my recent complaint the Experian has removed most but not all of the specified fraudulent inquiries, with two inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional 6 inquiries added to my issues I need to fix in my credit file. I kindly request that Experian, XXXX and XXXX Credit Bureaus promptly address the following fraudulent inquiries : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card product with BBVA compass on XX/XX/2020 I attempted to make my monthly payments but was unsuccessful because access to the bank and the services was limited by the corona pandemic. 
I made several attempts to make my payment but was only able to finally make the payment on XX/XX/2020. 
You received a late payment for that month and have tried to resolve with the bank but can not seem to get any help. 
I wanted to summit this complaint as my credit has been severely affected, dropping 100 points and affecting my credit point.
Product: Debt collection

In response to CFPB complaint # : XXXX : My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am once again making this complaint against NATIONAL CREDIT ADJUSTERS LLC . Theyre continuing to invade my individual privacy by committing hurtful, misleading, and unfair debt collection practices.

NATIONAL CREDIT ADJUSTERS LLC stated " Your account was placed into a cease and desist status which effectively terminates further communication in regards to your account. Further, NCA has placed your account into a disputed status which temporarily cease collection activity while NCA requests the account documentation from the original creditor in order to validate your account. '' You have violated the cease-and-desist notice that you received on XX/XX/XXXX via CFPB portal in reference to the above CFPB complaint #, because you're still furnishing this alleged debt to my consumer reports which is a form of communication as seen in Exhibits A in efforts of exhorting me to pay this alleged debt even when it is being " investigated '' which is a violation. Once again, I haven't received any documentation requesting validation from you before you committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If you have, can you please provide documentary evidence like the tracking number and return receipt verifying that I indeed received it?

NATIONAL CREDIT ADJUSTERS LLC stated " NCA purchased your XXXX XXXX  account on XX/XX/XXXX, with a balance of {$300.00}. NCA is the owner of your account. '' If you are the owner, can you provide me with the trilateral contract, that I have any legal obligation to pay you? Like I previously stated in my debt validation letter that you received on XX/XX/XXXX, this documentary evidence is imperative to receive, so that I can insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. I also have evidence of you manipulating the amount that is allegedly owed as shown in Exhibits B, C, & D.

NATIONAL CREDIT ADJUSTERS LLC stated " I believe this information should bring this matter to a conclusion with our office. '' I strongly disagree with this statement. Not only have you violated the cease-and-desist, but it shows that you clearly didn't read the attachments that I provided for you to review. You didn't provide anything in the letters that I have asked you, to prove that I have an obligation to pay this alleged debt to you. 

If any of the above can't be provided, this account must be removed from my ALL consumer report and files immediately to prevent further harm to me and my financial reputation, as well as cease and desist on all illegal activities.
Product: Money transfer, virtual currency, or money service

A XXXX representative sent my son info saying he was being scammedthey called soon after telling him to XXXX his money to me for safekeeping then to make sure it went through, I ( who bank with Wells Fargo ), I send it back to his XXXX  account which then the Money disappeared! Now Im not getting Any support from Wells Fargo, they Froze my account saying that Im the one who did the bad things!! XXXX wont help either. They keep referring me back to each other
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XXXX Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to address the inaccuracies in these accounts, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To many hard inquiries on my report at all three credit reporting companies not authorized
Product: Checking or savings account

I HAD A CHECKING ACCOUNT IN UNION BANK OF CALIFORNIA, ON XXXX UNION BANK OF CALIFORNIA MERGED WITH US BANK. DURING THE MERGER OF BANKS MY ACCOUNT WAS DISGUSTED SYSTEMATICALLY WITH ELECTRONIC TRANSFERS EVERY SINGLE TRANSFER SENT TO XXXX XXXX, SAME AMOUNT UNTIL LEAVE MY ACCOUNT IN XXXX. I NEVER DID OR AUTHORIZED THIS TRANSACCIONS THIS HAPPENED FROM XX/XX/XXXX TO XX/XX/XXXX LEFT IN XXXX MY ACCOUNT. I DID NOT NOTICED UNTILL I WENT TO MY BANK ON XX/XX/XXXX. SINCE DE MERGED, I DID NOT LONGER RECEIVED STATEMENTS OF MY ACCOUNT, I ALWAYS USE MY ACCOUNT PERSONALLY ONLY TO WITHDRAW CASH OR DEPOSIT IN PERSON AT THE BANK, NEVER MAKE TRANSFERS. THE ASOCIATE MANAGER LET ME KNOW SEVERAL CASES LIKE MINE HAPPENED DURING THE MERGED OF BANKS, HE HELPED ME TO REPORT TO THE FRAUD DEPPARTMENT, AFTER SEVERAL DAYS I RECEIVED A LETTER FROM THE BANK LET ME KNOW I WAS RESPONSABLE FOR WAIT SO LONG TO REPORT THE FRAUD THEY COULD NOT DO NOTHING FOR ME. I WENT TO THE POLICE STATION TO FILE A FORMAL COMPLAINT FOR FRAUD, I GAVE IT TO THE ASSOCIATE MANAGER AT THE BANK, SEVERAL DAYS LATER I RECEIVED A CHECK FOR MORE OR LESS THE HALF OF MY SAVINGS. BUT THE REST OF MY MONEY, I HAVE NOT RECEIVE MORE INFORMATION AT THE BANK THE ASSOCIATE MANAGER TOLD ME, THATS ALL THEY CAN GIVE ME ONLY THE HALF OF MY MONEY. THERE WAS ALL MY SAVINGS. I HOPE CAN HELP ME, RESOLV THIS SITUATION. THANK YOU
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been in pure XXXX due to the fact XXXX XXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX XXXX  i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as two left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Product: Debt collection

I have been a victim of identity theft. American Express was one of the accounts opened by someone using my information. The truncated account number on the bureaus is XXXX. I disputed this as a fraudulent account to the credit bureaus. NOTHING WAS DONE. I received no communication from Amex regarding fraud procedures. It was handled like any other dispute. This is a violation of federal law. 

The account shows an open date of XX/XX/2016. It has a high balance {$1300.00} and an existing balance of $ XXXX..with ONE MONTH OF ACTIVITY and charged off. According to investigators, this is the classic example of how a fraudulent account looks on the bureaus. 

If AMEX does nothing about this ... DOES IT JUST END THERE? 

CFPB needs to publish the glaring inactivity regarding fraudulent accounts by AMEX
Product: Debt collection

XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute is for Accurint Consumer file- See attached
Product: Credit card or prepaid card

A {$50.00} XXXX XXXX XXXX was given to my XXXX  as a birthday present and when we called the 888 number to activate it we were told the card had no balance on it because the store that sold it had not properly activated the card. Which meant as the recipient of the gift card we had to go back to whomever gave the card to my XXXX  and ask them for proof of purchase, then go to the store where they bought it and request either a refund or that they try to activate it again ... all of which were impossible because 1. the gift card company would not tell us where the card had been purchased, and 2. we did not know which of the 15 XXXX  at the birthday party had given him the card. 

The company name that runs the XXXX XXXX program is Blackhawk Network California XXXX Inc., and I spoke with XXXX at Blackhawk Giftcard Support Services this morning and she said there was nothing she could do about it.