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

I've been trying to get this issue resolved for months. I haven't had any response from this company at all. I sent a letter on XX/XX/XXXX and another letter on XX/XX/XXXX. Prior to these two letters I've sent a couple letters and numerous phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax over the past 2 years complaining about this wrong information that is reporting on my credit report. 

name XXXX XXXX address XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX il XXXX accounts XXXX XXXX Hard Inquiries XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Debt collection

My credit report shows a collection from your agency. I was never notified of the collection. What's more, I do not believe this debt is accurate. Under the XXXX XXXX XXXX XXXX XXXX I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged balance is for. 

XXXX ) A calculation of the balance, including the complete payment history on this account, so I have proof that the amount is correct. 

XXXX ) Documentation that shows I agreed to pay this debt. 

XXXX ) The Agreement that grants you authority to collect on this alleged debt. 

XXXX ) A copy of your state license, including license number. 

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX A dispute was completed with Orginal Creditor XXXX which resulted in the account being deleted because it was opened fraudulently. 

Here, I am again today with the same account on my credit report. Which violation # 2 of not completing a proper Investigation prior to furnishing information on my credit report. 

Not only did they commit the same violation it dropped my score it made it difficult for me to obtain financing. 

I spoke with XXXX on XX/XX/2021 and asked when a investigation took place and who was involved in Pursuant to 15 USC 1681a ( e ). XXXX was unable to to provide me any information of when and who the investigation took place with.

In pursuant to 15 USC 1681 A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

XXXX told me under the FCRA they are required to report which in fact is not true and a misleading statement and another direct violation. 

Also, I did not receive the proper paperwork within the timeframes under the FCRA. 

My only option from XXXX was to dispute. How many times do I have to dispute until Transunion does there job? This affects people livelihood and shouldnt be allowed to happen repeatedly.
Product: Credit card

I purchased a Portable SSD XXXX XXXX XXXX XXXX XXXX ( XXXX ) on the XXXX XXXX for {$530.00} plus {$32.00}, so a total of {$570.00} on XX/XX/XXXX, using Capital One XXXX XXXX in ending in XXXX Order number : XXXX. XXXX sent the wrong product which is XXXX instead of XXXX. So, I called XXXX and received an XXXX, and returned the product. I disputed the credit card transaction around XX/XX/XXXX. XXXX emailed on XX/XX/XXXX that the refund was successful and refunded {$570.00}. However the refund was not there upon checking the credit card on XX/XX/XXXX. Capital One is saying they didn't receive the refund despite providing documentation. Please find attached XXXX # XXXX document, Return XXXX pdf and XXXX Proof of Return and Email from XXXX about refund processed successfully, thank you.
Product: Credit card or prepaid card

Synchrony Bank sent series of emails that a deposit had been made to an Amazon XXXX  account in my name ; I had never applied for one. Then they sent an email that was blank, and the next day they sent an apology that the whole thing was an error. My complaint is that they didnt give any way to contact them if further questions or concerns, and they didnt explain how they got my email address and what their relationship is to Amazon. Consumers should be entitled to both those
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally XXXX loans. XXXX of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : XXXX. The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
XXXX. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
XXXX. The past due amount should have been {$33000.00} Not the amount reported. 
XXXX. They have positive payments from XXXX to XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XXXX. 

In XXXX I made XXXX payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current XXXX in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX P.O. XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX XXXX reported : {$45000.00}, {$45000.00} also said a portion was charged off. 


Along with what I stated and the recent issues with XXXX and their recent issues with the legal system : XXXX XXXX, the nations largest student loan servicer, is facing XXXX lawsuits alleging that it harmed student loan borrowers throughout the repayment process. 
The XXXX Consumer Financial Protection Bureau and the Illinois and Washington XXXX XXXX sued Navient in XXXX. 
Among other things, the CFPB alleges that since at least XXXX XXXX, XXXX misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. The CFPB is asking XXXX to compensate the borrowers the agency says were harmed. 
I am asking that this account be deleted and removed from my account immediately.
Product: Checking or savings account

Ally Bank told me they sent me a check for {$3800.00} on XX/XX/XXXX, the second week of XXXX, and are now telling me no checks were ever sent and they are refusing to do a bank transfer. They are stealing my money and this is severe bank fraud https : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my telephone number was compromised. They were able to access my email and other accounts that were on my phone. They proceeded to request a password change, having both my phone number and email account they were able to do access them. They changed my password for Coinbase. In the meantime, I alerted the XXXX ( My cell phone carrier ) and shut down my phone. Changed my passwords for all my accounts and recovered my email. The hackers were able to access my coinbase account. The process to close the account and protect it, was convulsed and impossible because my phone number and email were both compromised. Hours later after the damage was done, I was able to close it down. My issue is that Coinbase has given me no information regarding my account or access to the account. I have contacted them and they are not responding to my inquiries. I am left not knowing if there is anything in my account or what has happened to my account. Preferably there is some money remaining but I don't know! Then a few days later they threatened to take the money that the hackers had tried to get from my bank ( did I mention the hackers got into my bank account because I had recurring deposits. But the bank was helpful and reinstated whatever was stolen from my account ). 
Their customer service is inadequate to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy : Bankruptcy Reference number : XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I was checking my credit report for accuracy. My current address was listed twice- one with the apt ans one without. XXXX stated that they could not remove the address because it was reported by one credit card, Goldman Sachs. I was advised to reach out to them to correct the address. I did and was assurred that the issue would be resolved. However, when I checked my credit report in 30 days ( which is the time frame I was given for the correction to be made ), the address without the apartment number was still present on my credit report. I called XXXX again but they told me they could not help me. I would need continue contacting Goldman Sachs to get the address removed and updated. The last week of XXXX, I called and the call was expedited to a manager because there were notes stating the issue was resolved but it wasn't. I was once again told that this time the issue would be resolved and I would receive a. email like I did before indicating the results of my request, but I have not received anything electronically or by mail. This issue has caused a delay in me applying for a mortage. I desire to be a home owner, however, Goldman Sachs reporting my address without the apartment number has me connected as the owner of the apartments. This is un acceptable and to me an easy fix- especially since they claim that they see I live in an apartment, so why are they reporting something else and affecting my credit?
Product: Checking or savings account

XX/XX/XXXX went to withdraw money the manager said they closed my account and that a check of $ XXXX was mailed to me and that it could take 10 business days. XX/XX/XXXX they said they mailed it on the XXXX XXXX XXXX. I've called and called and still no check. This is money from my husband 's life insurance policy. I have no means of income. No money no food.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi got the following on my credit report which is not known to me.

1 ) Experience 35 hard inquiries and 2 late payments.

2 ) XXXX  22 hard inquiries and 2 late payments.

3 ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/2024 I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit card

On XX/XX/year> I reserved a room at the XXXX XXXX XXXX in XXXX, Alabama. I checked in and the air conditioner was extremely noisy. I knew I wouldn't be able to rest that evening so I went to the front desk and asked to be moved to another room. They moved me and the new room had an air conditioner that was louder than the first room. I knew I would not be able to rest in that room. I went back to the front desk and said I must leave and go to another hotel as they did not have a room for me that had a normal sounding air conditioner. The front desk agreed to cancel my room and issue a refund. 

The hotel did not issue a refund as promised. Instead, my Chase card was charged {$270.00}. Therefore, I disputed the charge with Chase. Chase refused to reverse the charge because of the hotel " cancellation policy. '' I tried to explain that it was the hotel 's fault because they placed me in a room with an extremely loud AC unit and I knew I could not rest well in that room. It was not an issue of my cancelling the room prior to the cancellation period. I also explained to Chase that the hotel agreed to reverse the charge. Chase still refuses to reverse the charge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Experian and XXXX are reporting inaccurate addresses to my credit file. Ive send them my current California ID and also a recent utility bill with me name and current address to verify and validate my identity. I sent the letters and information through USPS priority mail with multiple attempts. Nothing has happened nor have I got a response. Only when I called in and they said they cant delete them.
Product: Credit card or prepaid card

I received a letter from Elan Financial Services stating I applied for a XXXX Credit Card and since they were unable to verify my identification info they werent able to approve the application. When I searched the toll free number listed on the letter XXXX. Tons of fraud and scam info came up immediately for that number. I am not the only one receiving some kind of inquiries from them. They did manage to get my XXXX XXXX from XXXX XXXX they included a additional letter with my XXXX XXXX and credit information. The date of the letter is XX/XX/2021. I also dont see a bank listed and bc I did apply for a consolidation credit card I am uncertain about this being legit after reading the complaints I online. Thank you
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individuals to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX . I have attached highlighted removed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial reported late payments to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. Toyota reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with Toyota and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX : {$140.00} XXXX XXXXXXXX : {$210.00} XXXX XXXXXXXX : {$210.00} XXXX XXXX : {$210.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00}
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These unauthorized entries have seriously disrupted my life, causing major stress and XXXX I want to be clear : I never authorized or consented to this information being linked to my name. I'm a victim of identity theft.