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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy thats reporting to the 3 credit report agencys that lexisnexis is giving them false information on my report and I told them that this a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMENITY BANK/XXXX has been sent a notice Sent out XX/XX/year> Certified mail receipt # XXXX XXXX XXXX XXXX XXXX XXXX They have not yet recovered in the mail I require COMENITY BANK/XXXX to answer and provide me with the following documentation : Provide the original instrument on the underlying obligation. Unless it's normal business practice for COMENITY BANKXXXX to restrict trade and performance. 

Who is the original creditor? If COMENITY BANKXXXX is not the original creditor, then I require COMENITY BANK/GXXXX XXXX  mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the XXXX form prior to the initiation of this account.
Product: Debt collection

I was sent a class action postcard against this company explaining they had no license to collect debts in the state of Maryland and also I never received anything regarding this debt and also the debt is to much for the period of time of the debt and they also are on my credit and the co signer credit with never even notifying either of us because the default amount is bogus!!
Product: Debt collection

I have contacted Navy Federal Credit Union over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the XXXX ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested dispute to XXXX XXXX Experian due to unknown account/erroneous item listed on my credit report as XXXX XXXX original creditor is XXXX XXXX XXXX XXXX in the amount of {$5300.00}. 

XXXX and XXXX did remove the erroneous item and Experian did not. I sent again a dispute notice to Experian two additional times. They never responded back. I called on XX/XX/XXXXXXXX to request method of verification and detailed information on how they reached their initial verified results. I was told it would be sent. I received a generic email of Experian dispute process XX/XX/XXXXXXXX  at XXXX ( attached ). 

I called back again XX/XX/XXXX and spoke with XXXX in the fraud department at XXXX and told to him these exact words. " Please provide me with all of the information you used for your investigation as required by FCRA 611 ( a ) ( 7 ) regarding XXXX XXXX or have the item removed. 

XXXX stated he can not send furnish information used for their investigation to a consumer. I did inform XXXX by law he can so and if can not assist to please send me to a supervisor. XXXX with Experian has refused me the law under statute FCRA 611 ( a ) ( 7 ) and refused me his supervisor XXXX. 

XXXX did confirm these were the dispute dates received : XX/XX/XXXX resolution was XX/XX/XXXX. 
XX/XX/XXXX resolution was XX/XX/XXXX. 

Since he could not furnish the information used in the investigation I did advise him to write it down as a dispute because I wanted it noted. 

I then called back again XX/XX/XXXX at XXXX to request a supervisor where I was placed on a 30 minute hold and disconnected.
Product: Credit card or prepaid card

On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.
Product: Credit reporting or other personal consumer reports

On the XXXX  of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mailed mortgage payment to Bank of American on XXXX XXXX, 2016. Bank of America received the payment on XXXX XXXX. The payment has not been posted and today is XXXX XXXX. I called them on XXXX to let them know that they had signed for the payment on XXXX XXXX, but the payment is still not posted to my account and today is XXXX.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally refile a complaint against EQUIFAX regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EQUIFAX credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EQUIFAX directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report number XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EQUIFAX credit report. Additionally, I seek written confirmation from EQUIFAX once these accounts have been corrected. I also ask the CFPB to investigate EQUIFAX handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Debt collection

I was contacted by Certegy Payment Solutions in XX/XX/2020, that an electronic payment was returned and referred to Complete Payment Recovery Services for collection and the item is being reported to a national check verification database as authorized by the Client. 

I called the Client which is a web hosting company-XXXX XXXX XXXX/XXXX XXXX XXXX-and they said neither company would report. The website or product purchased would simply not operate or function if a debt was not paid. 

The threat from Certegy Payment Solutions was that my check writing privileges may be denied until it is resolved. I immediately contacted Certegy Payment Solutions ( see attached ) but was sent another notice XX/XX/2020. XXXX XXXX XXXX confirmed a {$0.00} balance and no payment is due. ( see attached ) They also stated the letter sounds like a spam letter to alarm a customer so that they would immediately send a payment, but no payment is due on their end and they emphasized that if a payment was not received, the website or that particular product would not work.

I accessed Certegy Payment Solutions on the XXXX website. They have done this repeatedly to customers https : XXXX.
Product: Mortgage

I am not being reviewed for a loan modification or short payoff. I have submitted multiple applications, but they have not conducted a review. SPS repeatedly asks for the same documents that I have previously provided. The dates that I submitted documents include ( but is not limited to ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

They also keep charging me unexplained and recurring fees, including a property inspection fee, but no one actually inspects the property thoroughly. The property is not visible from the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. XXXX has been reporting my account 8 late payments 120days and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX  and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.
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. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my 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 or other personal consumer reports

I TRIED TO BUTY A CAR AND I NOTIECED SEVERAL NEGATIVE ITEMS ON MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : XXXX  XXXX Account # : XXXX, ACCOUNT : XXXX  ACCOUNT # XXXX, ACCOUNT : XXXX XXXX ACCOUNT # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX XXXX  ACCOUNT # XXXX ACCOUNT : ( Original Creditor : XXXX  ) ACCOUNT # XXXX ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX ACCOUNT : XXXX, ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. I had several transactions done on my account and I reported it and had to use a chat bot that was no help. I had no number to contact and explain what was going on. My account was left to be unsecured and vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per FCRA 611.

These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a XXXX Card underwritten by notorious liar  XXXX XXXX XXXX XXXX ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted an online dispute for multiple charges on my card which was placed by a vendor I had cancelled my two contracts in writing per the vendors cancellation policies on XX/XX/XXXX. According to the contract with the vendor it would take 30 days for the contracts to terminate. On XX/XX/XXXX my card was charged twice for {$50.00}. I submitted the cancellation information provided to me by the vendor and the written emails which were sent on XX/XX/XXXX to cancel the contracts. 

On XX/XX/XXXX I received two notices ( one for each charge ) from Wells Fargo stating that they had declined to dispute the transaction because the merchant had no record of our cancellation and that they had no authority to cancel our contracts. The vendor replied to Wells Fargo that we inquired about cancelling the contract but that we failed to actually do so and they sent the contract which shows that written communication, which can be accepted by email, is needed to terminate the contracts and within 30 days the contract will terminate. I provided Wells Fargo with a copy of the vendor 's cancellation policy and the written notice we submitted to the vendor on XX/XX/XXXX. The vendor is using a malicious and deceitful tactics to prey upon their clients and Wells Fargo is not doing their due diligence to protect me and other consumers from malicious companies as they have ignored all written evidence provided to them. The vendor will not cooperate with us over the phone or through written communications and now Wells Fargo is allowing this unethical business practice to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a request form into XXXX XXXX XXXX XXXX XXXX for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Product: Checking or savings account

XX/XX/year>. 

Check was deposited into account Account was put on hold then frozen Funds will not be released on account Account still not closed on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX/XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hey, I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by XXXX/ Officers/ Employees to CARMAX XXXX XXXX XXXX XXXX, GA XXXX