23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This is my third formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have Asked that XXXX Credit Card and XXXX XXXX Credit Card and XXXX be removed as this we opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax concerning my credit report. My Equifax confirmation number is XXXX. My Equifax credit report erroneously stated that I was born on XX/XX/XXXX. However, my actual date of birth is XX/XX/XXXX. I supplied a copy of my attached drivers license when disputing the incorrect date of birth. I received the attached Equifax credit report today, XX/XX/XXXX. Although page three of the report does state that my date of birth was correctly updated, page eight of the report states that I was born on XX/XX/XXXX. That would make me XXXX XXXX XXXX. There is no factual basis for this baffling assertion. Moreover, I noticed that my old landline phone number of XXXX was added to my credit report. I disconnected my landline in approximately XXXX. My correct cell phone number is XXXX. Furthermore, when I logged into my Equifax user portal, I received an error message stating your Equifax credit report and score are not available at this time due to a technical error. The error message code was XXXX. These errors need to be rectified forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is now aware that it is harboring data for an XXXX XXXX account listed in my credit file. They were made aware of the issues both through CFPB complaint XXXX on XXXX XX/XX/XXXX and through the Experian dispute system. On XXXX XX/XX/XXXX Experian returned results from the dispute system. The specialist claimed they could not find an account matching the supplied last five ( 5 ) digits of my card number. Note that same number is used when XXXX has replied to me on official letterhead through the CFPB complaint system. The account was charged-off by XXXX because XXXX failed to generate billing statements. And, despite multiple billing error notices from two ( 2 ) collections agencies, and myself over a year-long period, they never rectified the situation. That scheme was explained fully in XXXX and is similar to what XXXX attempted to do with my student loan account. When I disputed XXXX information through Experian, the specialist responded with : " A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off. That is, a specialist at Experian was able to articulate the extent to which any firm may report information for a XXXX  account in a credit file. Yet, as outlined in XXXX XXXX  is furnishing information that implies future monthly obligations via late payment history that advances every thirty ( 30 ) days. As outlined in XXXX, Experian is well aware that enabling XXXX  to supply information that implies future monthly payment obligations is misleading and considered a FCRA violation as established under Jackson v. Experian Info. Solutions, Inc., Case No. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX, XXXX ). This is no different and as such, I am demanding that the account and tradeline be removed immediately and that XXXX be blocked from reinserting information for this account because Experian is in violaton of the provision of the Fair Credit Reporting Act ( FCRA ) applicable to credit reporting agencies, 15 U.S.C. 1681i ( a ). I have included all documentation with XXXX so that Experian understands what exactly XXXX is doing and why.
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 right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct number XXXX {$2300.00} XXXX, XXXX account number XXXX {$780.00} XXXX XXXX {$150.00} -XXXX XXXX account XXXX {$1600.00} XXXXXXXX XXXX XXXX account XXXX {$90.00} XXXX XXXXXXXX XXXX account XXXX {$89.00} 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX 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, so I require you to send me all the documentation to prove that this information is accurate. 
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: Debt collection

According to the creditor, I owe on an apparent. I never lived there and never took a position and it is a result of Identifying theft. The address not even on my credit report and was also removed as fraud.
Product: Debt collection

have asked for valdation on numerous occasions and never recieved a response
Product: Credit card

XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Phone Number ( XXXX ) XXXX XXXX  To Whom It May Concern : I am writing to express my frustration with Synchrony Bank regarding their repeated reductions of my credit line, which have severely impacted my credit utilization rate. Currently, my utilization rate is at 97 %, and this has caused a significant drop in my credit score. Most of my credit lines are below 35 %, with a few at 50 %, the highest at 75 %, and many at XXXX balance. This inconsistency is puzzling and unfair. 
When I contacted Synchronys customer service, I was unable to receive a direct and clear explanation for these actions. After requesting to speak with a supervisor, I was informed that the decision was based on information provided by XXXX. However, when I asked customer service to read the reasons to me, the explanation made no sense. I then requested a letter detailing the reasons from Synchrony, which they eventually mailed to me. 
In the meantime, I emailed XXXX XXXX, President & CEO of Synchrony Bank, as well as their dispute department and the Consumer Financial Protection Bureau, regarding this matter. On XX/XX/year>, I received a letter from Synchrony explaining their reasons, which they attributed to XXXX. Upon review, all the information provided in the letter was inaccurate. 
On XX/XX/year>, at approximately XXXXXXXX XXXX, I called XXXX and spoke to a customer service representative named XXXX. The call was recorded. I asked him to confirm the reasons Synchrony had provided, and XXXX verified that the information in the letter was false. When I asked for confirmation again and inquired about going over the reasons further and to confirm the call would be recorded, XXXX placed me on hold, and I was subsequently disconnected. 
I called back at XXXX XXXX and was able to speak with a supervisor at XXXX named XXXX XXXX. She also confirmed that the reasons provided by Synchrony were not from XXXX. This call was also recorded, and she provided me with a file number : XXXX. The number I called was XXXX. 
It is apparent that Synchrony Bank has abused its power by providing false information and attributing it to XXXX as an excuse for their actions. This is not only fraudulent but also deeply unethical, as it has caused significant harm to my creditworthiness. 
I demand that this issue be rectified immediately, as it is unjustly affecting my credit and financial stability. I expect a thorough investigation into this matter and a written response outlining the steps taken to address this situation. 
Sincerely, XXXX XXXX XXXX : I have attached all my correspondence
Product: Credit reporting or other personal consumer reports

There are inaccurate names and addresses on my credit report that is has not been legally authorized by me and is out of compliance with the FCRA I did not give legal authorization to the unauthorized inaccurate names and addresses information. 
Here are the following please block and delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX only name XXXX XXXX XXXX, and my only XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

Capital One Bank sent me a letter letting me know that my small business checking account would be closed. When I asked for a plausible explanation, I was told that it was an irreversible decision, but I never received one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX15 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 follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( 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 is inaccurate. that the information This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Synchrony Bank indicating my application was not approved because " Unable to access credit bureau due to freeze or lock '' The agency listed was XXXX XXXX XXXX. 

I have no idea who this company is. I can not contact anyone at the number listed because it is just a recording. The website doesn't provide ANY information on how my info is collected and used to for credit inquiries. I have never contacted this company or any of its aliases to put a lock or freeze on my credit report. They are lying and providing false information to deny consumers access to credit. Most of these individuals are low-income individuals.
Product: Checking or savings account

Each time I request they accommodate my XXXX under the ADA they become hostile and argumentative and hang up on me for making a request for equal access as a XXXX person. They say we just go in circles even though I try to move it forward. They have now threatened to close my account if I keep trying to be accommodated. I have specifically requested effective communication within the ADA and an interactive good faith process to achieve a reasonable and appropriate lasting and durable accommodation for my XXXX. When I ask for good faith they hang up in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these inquiries which were unauthorized within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We noticed that there was a charge of {$520.00} on our Bank of America credit card that we knew wasn't ours. We found out that it was from a company called XXXX XXXX XXXXXXXX that we never heard of. We later learned it is part of XXXX XXXX XXXX   XXXX. We also had a notice to pick up a package from the post office and learned it was from XXXX XXXX XXXXXXXX. 
We contacted Bank of America and also disputed the charge on our online account. The merchandise was purchased on XX/XX/2018. We spoke with someone in the fraud department and explained that we never ordered this and someone obviously stole our credit card number and info and used it at this place. She said they would check into it and credit our account and to reject the package. 

We went to the post office on XX/XX/2018 after having to wait over the weekend, and told the clerk we reject it and to send it back because we did not order it. The bank credited our account XX/XX/XXXX but reopened the case. We got a letter on XX/XX/XXXX stating we were responsible for the charge because our address was included and verified with the purchase! That's a lame excuse since any crook can find your address and info on the internet! So the charge is still on our account for something a crook bought and Bank of America wants us to pay for it! 

So we also called XXXX XXXX XXXX which as I said is also known as XXXX XXXX XXXX XXXX We spoke with " XXXX '' and after explaining this he said he would call us back after talking with his supervisor. He checked for the returned package and confirmed it was received by his company. This was XX/XX/2018. He called us back that evening but we weren't home so he left us a message on the voicemail that his supervisor said they would issue a refund by the end of the day. That didn't happen! We called them this morning, Tuesday, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. She said customer service would have to issue the refund and we had to talk to them. When she came on the phone, she said the refund would take 14 days from the previous Friday! Meanwhile we called Bank of America and they said they would reopen the case and it would take up to 60 days!!!

We are being jerked around by Bank of America and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. We are the victims and they are protecting the crooks!
Product: Bank account or service

My father deceased on XXXX XXXX, XXXX. I was appointed Personal Representative/Executor of his estate on or about XXXX XXXX, XXXX. A review of his assets that a woman who maintain that she had been a care giver to my father was found on his PNC Checking Account. Further review and discovery revealed that the joint account had been created through repeated forgery of his signature. 

XXXX XXXX XXXX issued a refund check to his estate on XXXX XXXX, XXXX. The woman then took the check from his mailbox unit. Signed the check, once again forging his name to deposit and cash the check in another PNC Account. PNC Bank was altered to the matter, and sent proof of the forgery [ See Attached XXXX XXXX check in the amount of {$490.00} dated XXXX XXXX, XXXX ]. However, they are refusing to take any action as other evidencing documents obtained show that a PNC Bank Manager may have assisted the woman in creating the fraudulent the account. Therefore, an investigation is being requested in this matter. With a forensic handwriting analysis report obtain, available for investigation review.
Product: Credit reporting or other personal consumer reports

I'm unfair the very specific days but within the last 2 months I have spoken to XXXX XXXX numerous times and ask them to remove the charged off status as this account was paid instead of removing the charge off status they listed it as charged off and then paid well that's still inaccurate because it was not charged off it's been paid if it was charged off then they can retract that charge off and report that correctly they have essentially told me to fly a kite and have offered little to no assistance at all. 

I open this account in XXXX if I recall in XXXX after suffering just want to court injury I had to have a subsequent XXXX and I was not able to work I informed the XX/XX/XXXX XXXX of this and they refused to offer any kind of program to help me stay caught up on my payment further I would make a double payment instead of applying the payment towards the next one they would do it next month knowing that the payment was supposed to be good they do not care this is preventing me from getting any kind of credit XXXX real estate project I can't even get a secured credit card because of this essentially this could cause foreclosure on a project I'm not able to finish due to financial constraints I have pretty decent credit so it's concerning that I can't even get a secured credit card at this point XX/XX/XXXX XXXX has made it nearly impossible for me to get any kind of credit. I just feeded this with a credit reporting agencies and they responded with it meets the fair credit reporting act and that was pretty much it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from Berkshire Bank regarding their sharing of my personal information. It states that to limit their sharing I can call XXXX and their menu would prompt me through my choices. When I call that number the menu does not include a prompt that would enable me to make choices regarding sharing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a private student loan issued by XXXX XXXX XXXX opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was XXXX. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.
Product: Debt collection

American Express closed my accounts without notice after I was affected by Hurricane Michael and after repeated attempts to pay the debt and get the accounts reopened, American Express did not not have any sympathy that the disaster occurred nor the personal events that happened after it, including the one we are facing now, Covid-19. After more than 10 years as a cardholder, American Express had no  regard for me or my family despite an immaculate payment history and in addition kept more than {$1000.00} of earned Rewards I had earned when they closed my accounts. 

I have told this company to cease contact, yet they have still continued to call me multiple times from multiple numbers, every hour, every day. I have attached call logs as proof.
Product: Mortgage

My issue is lending tree was who handle all my home buying and assist for all kinds of situation about rates or low price and affordable for monthly payment procedure. And I need to moving process to start and guide me a soon as possible actually I got a call early and asking me about home, it 's a lender mortgage but a want lending tree will participate for conversation to negotiate in my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm having a problem with the credit bureaus because I recently submitted a dispute through the mail on XX/XX/2021 and today is XX/XX/2021 I still haven't received my dispute results. Also the inaccurate/Unverified account XXXX XXXX XXXX XXXX still shows on my credit report and its hindering my credit. This is investigation has been longer than 30 days and i would like the unverified items to be removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Stellantis Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Cease and Desist & Legal Notice Regarding Credit Reporting Account number : XXXX To Whom It May Concern, This letter serves as a formal notice that Stellantis Financial Services , Inc. must immediately cease and desist all communication with me regarding any alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of direct or indirect contact.

Furthermore, reporting any information related to this alleged debt to any credit reporting agency is considered a form of communication. I demand that Stellantis Financial Services immediately cease and desist from such reporting.

I have studied federal and state laws governing credit reporting, specifically 50 U.S.C. 1681s-2 ( a ) and 1681i, which outline the responsibilities of furnishers of credit information and consumer rights to dispute inaccurate information. Any failure to comply with these legal obligations will be considered a violation of my rights, and I will take all necessary legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies, as well as seeking legal remedies in a court of law.

This notice serves as your final warning. Please provide written confirmation of your compliance with this demand. 

Sincerely, XXXX XXXX