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

I have been trying to apply for credit for almost two years and have been getting told that my Equifax credit is blocked. I contacted them and was told to send in verification documents only for my account to still be blocked and the customer service has no helpful information. I have filed several complaints and I am still having issues with them telling me to send in verification information tnat I have already sent to them.
Product: Credit reporting or other personal consumer reports

I called XXXX today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/2024, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/2024, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my XXXX report. It's not showing anywhere.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX 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 or other personal consumer reports

I went back to review my credit report, and unfortunately, I still observe harmful entries that have not been rectified or deleted, much to my disappointment. According to the FCRA, I have the right to dispute and pursue appropriate legal remedies for any inaccurate or missing information in my report.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX  I received an email from capital 1 that a new account has been opened in my name. I called customer service and we determined that it was open fraudulently. Therefore I department was not open on a Sunday. I called this morning and had the account frozen and deleted. I was advised to file a police report, file a claim on this website, and report to XXXX, XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the payment status on Experian, which incorrectly shows Current, was past due 30 days for an account where I have always paid on time. Experian is the only bureau reporting this error, and it fails to meet the MAXIMUM POSSIBLE ACCURACY, as required by the FCRA. Also, if there is any late payment history reported on my account, please update it to PAY AS AGREED. '' I urge you to rectify this error promptly to prevent further damage and restore compliance with federal standards.
Product: Money transfer, virtual currency, or money service

I had items for sale on XXXX XXXX. A prospective buyer communicated with me via XXXX XXXX that he was interested and wanted to send me money via XXXX. So I gave him my email address. He emailed me and said he used the wrong account and needed me to send him the money back, then he would send the money to me from the correct account. I sent him a 'refund ' without checking to see if I had gotten the money from the original 'transfer '. I had not of course, and lost the {$200.00} to the scammer. My bank, TIAA, said that this type of fraud was not protected by them and would do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates  paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.
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. 

Account name : # XXXX, XXXX XXXX XXXX, Account name : # XXXX, XXXX XXXX  XXXX XXXX Account name : # XXXX, XXXX, has XXXX XXXX rights. 

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 reporting, credit repair services, or other personal consumer reports

This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!!

Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.
Product: Credit card or prepaid card

I have a Chase checking account, mortgage account, and 2 credit card accounts. I had XXXX reward points. My account was hacked and the points were transferred out of my account. XXXX identified that as fraud and restored the points. Months later I wasn't using the card that had been hacked so I thought it best to close it. I called and did that. There was no mention of my points being at risk. When I logged back on a few weeks later my points had disappeared again. I contacted XXXX. They said it was because I closed the account. I asked to have the account and points restored they said they couldn't. I complained. Nothing happened. I called back and complained again. 2 weeks later I received a letter saying their decisiion was final- they will not restore the points. 
If this was a matter of a couple hundred dollars I would just accept the loss. But this is a cash equivalent of {$6700.00} dollars I have been counting on being able to use for a trip planned in XXXX. Had they told me when I closed the account I would lose the points I would NOT have closed it. I'm happy to have a card I don't use if it means holding on to {$6700.00}. Please help me get those points back.
Product: Credit card or prepaid card

I received, absent of any solicitation or notice, XXXX XXXX XXXX debit cards from " Cash App ''. I did not sign up for, request or demand this service. Upon trying to contact the company, I was informed there are three methods to contact them : through their website, which simply explains the other options, a 1-855 number which also merely lays out the other options, and the option to use their app, which I do not have an account with. It is explained on the site and on the automated system that there is no option for live phone support. There is no straight forward option to dispute this situation, and very little information is provided in the mailers I received. I am concerned that someone may have used my identity to request these items.
Product: Checking or savings account

In XXXX of this year ( I have not received a statement, so I am not able to verify specific date of incident ), my business and personal accounts had an overdraft. BECU blocked my online account, but I had not been informed, so I just thought it was a technical error or a password problem. I tried several times over the following days and weeks, but could not access, so I decided to call and ask for help. When I called, BECU informed me that they had closed my accounts ( including my credit card, which I had made timely payments on ) because of the overdraft. They said it was turned over to their " Financial Crimes '' department, which shocked me. I have never been treated like this by a bank. I have been a good customer and never had an issue. For them to respond in this manner was unfair, harsh, and lacked any kind of thoughtfulness toward me as a customer. 
When I looked into it, I found that I had deposited checks from another business of mine and from another personal account I held. The business has a couple of clients that owe a considerable amount of money ( over {$95000.00} ) and had been told one of the clients had wired the money to the accounts the checks were written from. They, in fact, had not, and were just trying to buy time to make their payment. I have been hit hard by the lack of payments from these clients, which know they owe the money. I'm sure they will pay, but I am having to reach out to them every few days to push them or at least get a status update. I've been assured that I will be paid, but I need BECU to be patient and understanding, while I work on getting this resolved with my clients, so I can cure the debt owed to BECU. 
I feel terrible about the overdrafts, and I will take care of what I owe. This was uninntentional on my end and, I believe, understandable. Some leeway should be granted to me by BECU, and allow me to make payments or wait until I am paid completely and can pay the entire amount owed ( approximately {$9000.00} total between the accounts ). I also need my access to the online banking restored, so I can make regular payments, get records of the transactions, get statements, and manage the accounts. Cutting me off immediately, put me in the dark, with no explanation for weeks. Had I known early on, I would have been able to track and manage this a lot better. 
I need any fees waived where possible, my accounts restored and allowed to continue, and I need any credit reporting removed. I have been hit hard enough by our clients ' lack of payments and need support and understanding. I'm committed to resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Synchrony Bank card via TJMaxx and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. Synchrony bank was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many Synchrony bank accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.
Product: Debt collection

The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Explanation Dear Sir/Madam, I am writing to formally request a detailed explanation of the debt listed under my name, XXXX XXXX XXXX XXXX Specifically, I would like to receive information regarding the following accounts : XXXXXXXX XXXX  ( Account # : XXXX, XXXX, XXXX ) XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) Please provide the following information for each account : A full breakdown of the outstanding debt, including the original amount, interest, fees, and any other charges applied. 
The name of the original creditor. 
A copy of the original contract or agreement ( if available ). 
A detailed payment history, showing all payments and credits applied to the account. 
Any other relevant documents supporting the debt. 
I kindly request that this information be sent to me in writing within 30 days of receipt of this letter, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please note that I am seeking clarification and resolution of this matter. Should this debt be found to be in error, I would like to request its removal from my credit record. 

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

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

I asked that Convergent Outsourcing remove there collection from my credit report The Original Creditor is XXXX I have asked them to show my proof where is account is mine with paper work and why i never received the paper work showing the I own this account Then sold to Convergent with proof this account belongs to me So please remove account from my credit reports since proper paper work was not done to show This account belongs to me
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to TransUnion and a copy of the response letter from Transunion.
Product: Checking or savings account

CHASE BANK HAS NOT BEEN EXPLICIT IN EXPEDITING MY COMPLAINTS ABOUT CHARGES BEEN APPLIED TO OUR BANK ACCOUNT INCORRECTLY, AS I DISPUTES TO THEM WHAT ARE THEY FOR AND WHAT NOT. ACCORDING TO INFORMATIONS I'VE RECEIVED FROM THE CHASE BANK TO DAY! IT DOESN'T HELP BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO OUR BANK ACCOUNT DISHONESTLY. THE DISCRIPTION SENT TO ME TODAY : XX/XX/XXXX WITH AMOUNT DOESN'T MAKE ANY SENSE. BECAUSE, I DON'T KNOW WERE THESE MONIES HAVE GONE TO : THAT I'M NOT SEEN IT IN MY STATEMENT BEEN DEPOSITED BACK TO MY ACCOUNT, ARIGHT SHOWN FROM THEIR REPORTS, AND REPLY TO MY DISPUTES. I AM SINCERELY CONCERNED ABOUT CONSTERNATIOIN ACTIVITY MIGHT LEAD THE WAY TOWARD CONCEALEMNTAGAINST ME AND MY WIFE. DUE TO OUR AGING ELDERLY STANDARD. THANKS FOR ANY HELP GIVEN TO RELE GATE THIS FINANCIAL MATTER WITH CHASE BANK IT HAPPENED FROM XX/XX/XXXX & XX/XX/XXXX WITH XXXX XXXX WHEN WE WERE TRAVELING TO XXXX, HAWAII FOR MY SISTER 'S FUNERAL THEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim