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

I received the response from XXXX XXXX and this account was, in fact, discharged in a XXXX XXXX Bankruptcy XX/XX/2021, The notes on my report should read as such. Account discharged in XXXX XXXX bankruptcy. Why is this such a long drawn-out process? Equifax is the only bureau that has not and will not update this information. XXXX XXXX XXXX was notified as well. The Bankruptcy Court did not receive any returned mail or email. How can the response say the account was not included in bankruptcy when I have court documents showing that it was? It's no wonder XXXX was sued for deceptive practices. XXXX XXXX is even worse.
Product: Checking or savings account

On Tuesday XX/XX/2022 I was informed my account was closed at FirstBank Holding Company. I was asked if I wanted my funds mailed or picked up, I said I would pick them up. I went in early today ( Friday XX/XX/2022 ) and was told everything was on hold. After about XXXX minutes I was requested to talk to a guy named XXXX who asked non-important questions and refused to forward conversation on my funds in my closed account. I ended the conversation amicably, drove home, reached out to the representative who I first spoke with, XXXX, and asked her to mail me the checks. She informed me that until XXXX releases the funds she can not do anything. As of XX/XX/2022, FirstBank Holding Company confirmed XXXX account closing balances. The oldest account had a little over XXXX XXXX XXXX XXXX ( {$20000.00} ) and the second account had a flat XXXX XXXX ( {$10000.00} ). I was told nothing the holdings were completely removed on XX/XX/2022, and those balances were final. On Friday, XX/XX/2022, all the events I spoke about above, occurred, and FirstBank refused to give me my money.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I made XXXX payments to my counterparty in XXXX XXXX. But JPMorgan Chase Bank XXXX did not process the transaction and did not return the money to my bank. 
I contacted XXXX to process a money transaction. However, XXXX responded that my money was not found. 
XXXX XXXX XXXX In XXXX of this year XXXX I filed a complaint with your agency CFPB, Complaint ID XXXX. You told me that I should get an XXXX license. I contacted XXXX again and received a response that my money was not found. 
XXXX XXXX XXXX Please find my money and transfer it to my partner in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the XXXX  CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2023 Balance : {$59.00}
Product: Credit reporting or other personal consumer reports

Credit Bureaus are clouding with XXXX XXXX Bank reporting negative reporting
Product: Credit reporting or other personal consumer reports

I received a response from XXXX XXXX Bank  Manager " XXXX XXXX '' in relation to a billing error indicating 30 days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than 30 days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XXXX XXXX. XXXX and Equifax are reporting " 30 Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX  experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX XXXX.
Product: Credit card

Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National credit system did not verify the debt according to the FCRA. There was no proof that this debt belongs to me and it should be deleted and removed. If not I will pursue legal action. You will also be fined {$1000.00} if you dont remove this inaccurate information. I did not authorize this at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.
Product: Debt collection

I was contacted by Resurgent Capital and told that if I paid the agreed amount that they would remove the debt from my credit report and cease all legal actions. I paid as agreed and have sent them copies of the cashed check via fax and by mail. They still have yet to honor the said agreement. As I continue to get requests to settle said debt and it is still reporting to all three credit bureuas.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 6 over six years I have been asking XXXX EQUIFAX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XXXX/XXXX/1978 SSN # XXXX my current legal name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes by mail, phone and via the Equifax website. I have received at least 6 responses which are attached saying these invalid addresses have been deleted from my credit report but they have never been which is in violation of the fair credit reporting act. When I called i was told they must have been reported again but since theyre invalid addresses they shouldnt be reported by anyone and since its on there immediately as the results were received obviously they were never deleted. The addresses to remove are XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. The following are the most recent confirmation numbers of results stating they have been deleted but still appear : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019
Product: Payday loan, title loan, personal loan, or advance loan

There are many dates the latest one is XX/XX/2024. They have my social security number. This time it's a Check N Go payday day loan. As I said I have lived in the XXXX for XXXX  years and never went back to XXXX. These people are scammers with fake websites. They called me last night. When I answered am I speaking with XXXX XXXX I said yes, and then they called out my social security number. Now at that time, I am scared of what could happen to my accounts. I said to him is there anything else I needed from you. He asked what mean and I said I thought you people would be in jail by now. He said that's what he going to do to me. I said I reported you to the FBI and Federal Trade Commission and he hung the phone up on me. The number he used to call me is XXXX website www.checkngo.com
Product: Mortgage

XX/XX/XXXX we began our pre qualification portion of our FHA loan and we spoke with XXXX XXXX. All required docs were submitted a week later. A couple weeks go by and we heard nothing so we called XXXX and was told the underwriter need us to clear up dome student loan stuff and we did so a few days later we uploaded it to the portal. 2 more weeks go by and no word, email, or phone call. So we called and request a supervisor and noone returned the call. Another week goes by and we called and get into a big argument with XXXX XXXX XXXX XXXX 's manager ) he refused to send any docs so I explained there are laws regarding this and he terminated the call. I began calling twice per week since XX/XX/XXXX demanding answers but we are only getting pushback from corporate and everyone else. On XX/XX/XXXX I spoke XXXX XXXX who. ( On a recorded line ) stated he seen several mistakes and would address them immediately. We never heard anything from him or anyone else. Then today XXXX a XXXX operator sent us some very XXXX texts and phone calls. While I'm speaking to another operator the racially motivated rep is sending threats to our personal cell phones which is a REAL NO NO but she did it and we informed them and they sent us a cease and desist letter go figure. If a customer service rep retaliated against ANY CUSTOMER that's a huge RED FLAG..BEWARE OF THIS COMPANY..
Product: Money transfer, virtual currency, or money service

Coinbase asked for XXXX information last XXXX. I responded with all information that they asked for. Shortly thereafter, my account was locked pending further review. I have not ad access to my account since. I have chatted with three support members who all have said that they will send an email explaining what I need to do and what further information they need. I have never recieved an email. Case # XXXX This seems to be an ongoing problem with Coinbase with many, many people. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I don't why this company is reporting this account on my credit report. This debt is unfamiliar to me. I have mailed several letters to NCB asking them to verify this debt and validate that this is debt that is actually mine but they have failed to do so. They have not communicated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to get a change of email address to my credit report & got XXXX, XXXX said I would be able to access my report once she completed the change. I can not access the report with the old or new email at all. The old address is XXXX with a user ID of XXXX. The call took 48 minutes with her stating there is a latency with her system repeatedly, but when asked what that meant, she merely repeated the phrase. Since I can not log in at all now, something has been blocked that needs to be cleared. The inaccuracies are still not seen by me because of access.
Product: Debt collection

XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. Somebody open a auto loan under my name without my conscent. That happened in XXXX I already went to the police and filed a identity theft in the website..
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
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
Product: Credit reporting or other personal consumer reports

Today Equifax returned almost 20 inquiries to my report that was removed for proven identity fraud and had been removed off my reports for almost a year. Then overnight, someone there decided to report them all. This had destroyed my credit score and any ability to use credit once again. The dates on these inquiries are all bunch together are with the same company. i would not apply with same company for days. An investigation was done and they were removed. Now they are back. I am insisting that my report return to the reporting as on XX/XX/XXXX when there was only 5 inquiries being reported. only one was in dispute. The inquiries below should be removed AGAIN : XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I hope this compliant finds you well. I am filing a compliant to express my concern regarding my XXXX credit card account and the manner in which you have handled the reporting of my XXXX credit card debt to the credit bureaus. 

Recently, I have successfully completed a debt settlement program1099C form, which led to the discharge of a significant portion of my credit card debt with XXXX. I understand that the discharge of debt is a legal process, and I appreciate that XXXX has acknowledged and accepted the discharge. 

However, I have noticed that despite the discharge of my debt, XXXX has not updated this information with the credit bureaus. This omission has a direct impact on my credit score and financial standing. It is crucial that accurate and up-to-date information is reported to the credit bureaus, as it plays a significant role in determining creditworthiness and financial stability. 

I kindly request that XXXX takes the necessary steps to update the credit bureaus regarding the XXXX debt. This will allow me to rebuild my credit and demonstrate my commitment to fulfilling financial obligations. I believe it is in XXXX 's best interest to accurately report this information to the credit bureaus, as it reflects positively on your company 's commitment to responsible lending practices.
Product: Credit reporting or other personal consumer reports

TRANSUNION is violating my rights by refusing to remove fraudulent information a fraudulent closed account from XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) from my credit report, despite my cease and desist request and submitted FTC report. This noncompliance is a direct violation of 15 U.S. Code 1681s-2 and 15 U.S. Code 1681c-2, and I demand immediate action to rectify this issue. I have no knowledge of this account. Per 15 U.S. Code 1681s-2 ( a ) ( 8 ) & 1681c-2, I request an immediate cease and desist of any reporting and the prompt removal of this account from my credit report.