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

I am writing to formally dispute inaccurate information on my credit report that bi believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumers disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting perviously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.
Product: Debt collection

I received a call from this company and told them it was the wrong # that I never had an account with them. They proceeded to tell me they wouldn't have called me if I didn't have an account and demanded an account # or ssn. I again told them I have never had a loan with them and to remove my number. I was hung up on by 3 representatives. None of them would transfer me to a supervisor and their collection practices with voicemails is unprofessional. I advised them this is a violation of my rights and would be reporting them to the cfpb.. They again hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in   XXXX   I contacted CFPB regarding my JcPenny account with Synchrony Bank. Here is original complaint : " Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud. The problem is with my former JcPenny card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as 30 days late on my  XXXX  credit report. I was assured that the report would be corrected and the 30 day late would be corrected and removed. To date, this has not been done and  XXXX  is showing as 30 days late, breaking their promise to me via the letter received. FIX IT! '' I received hard copy letter via postal mail on  XX/XX/XXXX and   XXXX   XXXX  , 2017, that they were updating the bureaus to reflect current closed status and not past due. The problem has never been fixed, as my bureaus are reporting STILL as closed Past Due. I highly suggest this be fixed immediately, without further lies and B.S. - I was told this would be taken care of, and shocker, it has not been. " " in our previous response dated   XXXX   XXXX  , 2017, we requested all major credit bureaus delete the late payment associated with this account from your personal credit history. You were informed that the updates to personal credit report may take up to 60 days. '' - Its now past the 60 days!!
This is ridiculous and shameful that a large retail bank, lie and deceive, to get out of trouble.
I have contacted my lawyer, and will follow up with legal action if ALL bureaus are not updated and corrected within 30 days of this complaint. CFPB get of your lame  XXXX  and follow up on this, not just take the easy way out.
Product: Credit card or prepaid card

XX/XX/2021 Card/Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Discover Card Consumer Complaint XXXX XXXX Address City, State, ZIP Code Re : Discover Card XXXX XXXX XXXX XXXX Attention : Consumer Complaint Division On XX/XX/2021 I was mailed a notice from Discover card services that my account was being closed. According to the letter Discover closed the account due to the inability to access tax records for prior year, I was never notified by Discover financial services of their XXXX attempt. 
I have in the past had some issues with identity theft, therefore I have a Fraud alert with my account ( SS, Credit ) for my protection. I offered to assist Discover in this matter per IRS representative no information is released without the consent of social security holder. my approval is requested prior to any release of information. I have contacted IRS and they dont have any records of Discover financial attempts or requests. 
On XX/XX/2021 I contacted customer service representative XXXX XXXX in attempt to resolve the problem, according to XXXX there was nothing he could do to resolve the issue. I would appreciate my account being re-instated allowing access my credit card usage. 
I look forward to your reply and a resolution to my problem. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX XXXX next page ( s ) supporting information
Product: Debt collection

my brother used my identity to get a loan online I found out after discovering it on my credit report i had to go to court to get my name cleared in other accounts. he was eventually arrested impersonating me.
Product: Debt collection

repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Portfolio is alleging I owe a debt I do not. The debt has been canceled and reported to the IRS as income. Portfolio can not collect on a canceled debt and I refuse to pay Portfolio any money that I do not lawfully or legally owe.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Between XXXX of XXXX and XX/XX/XXXX there were 185 fraudulent XXXX transactions on my card which Chases Fraud Department did not capture and I was not aware of. I made numerous attempts to resolve this matter and contacted Chase on more than 30 occasions between XXXX and XX/XX/XXXX. In XXXX, I received a letter stating I would be made responsible for these fraudulent charges. After an exhausting process of attempting to resolve this, I decided to inquire into a lump-sump settlement only to discover Chase would only allow for {$300.00} reduction in my total balance. 
I also attempted to qualify for a interest rate reduction and did not qualify for this. 

I am requesting Chase to take partial responsibility in this situation as their Fraud department should have alerted me of the excessive Lift charges applied to my account, especially since this activity is not typical for my transaction history. 

As a consumer, I am making diligent attempts to resolve this and it appears Chase is not willing to follow through on their promise to be a customer service focused company.
Product: Credit reporting or other personal consumer reports

Dispute of Invalid Hard Inquiry on Credit Report Dear CFPB, I am writing to formally dispute an invalid hard inquiry that was placed on my credit report by XXXX XXXX  XXXX XXXX American Express Company ). Here is a summary of what happened : I applied for a business credit card using information that was mailed to me by XXXX XXXX  XXXX XXXX American Express Company ). Despite following their application process accurately, my application was denied. Subsequently, a hard inquiry was placed on my credit report by XXXX XXXX  XXXX XXXX American Express Company ). 

I contacted XXXX Bank financial ( American Express Company ) to request the removal of this hard inquiry, as the account was never approved and is therefore invalid. Despite my efforts, XXXX XXXX  XXXX XXXX American Express Company ) refused to remove the hard inquiry from my credit report. This unjustified hard inquiry is negatively impacting my XXXX XXXX and hindering my ability to apply for credit with other companies. 

I believe this hard inquiry should be removed, as the account was never valid. I respectfully request your assistance in resolving this issue by having XXXX XXXX  XXXX XXXX American Express Company ) remove the hard inquiry from my credit report. 

Thank you for your attention to this matter. 

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

Well Fargo credit card XX/XX/year> {$2900.00} I have a problem getting this credit card off my credit report and fully dispute that charge. I was incarcerated at the time, so theres no way Im responsible for this tremendous debt. I have proof who had access to my information which who was responsible for my credit report going down drastically.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , REMOVE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$530.00}, an EDUCATION loan account opened at DEPT OF ED in XX/XX/XXXX under the account number XXXX for {$6700.00}, a second DEPT OF ED loan under the account number XXXX for {$3700.00}, and a collections account opened at XXXX XXXX  for XXXX opened on XX/XX/XXXX with a balance of {$960.00} Acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. This has caused me denials for multiple lines of credit and resulted in financial harm. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have a checking account with Juno bank, which claims it was backed by XXXXXXXX XXXX  XXXX XXXX. I have {$8200.00} showing in my account, but funds are frozen without any ability to withdraw or transfer. Juno Bank is not providing any details, and keep claiming now that its XXXX XXXX responsibility to give money. XXXX is disputing this, but I as a customer is stuck in the middle. I had opened account with Juno bank, with my account number as XXXX and routing number as XXXX. Please help get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

i have wrong addresses in my report, i've never lived XXXX. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written XXXX governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I received a response from Experian on my Experian account stating that the company they use to verify public records stated the record is mine. IT IS NOT MINE! I am going to sue Experian if they dont remove the XXXX XXXX XXXX XXXX  record! Ive disputed it 5 effing times and Im going to just get a lawyer and sue XXXX XXXXXXXX out of Experian if they dont do something RIGHT NOW! Ive tried with the courthouse as well and the court house states they DONT report to the credit agency! They are falsely stating that the court house is the record owner.
Product: Credit reporting or other personal consumer reports

I have in the past months attempted to reach out Equifax in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter that has been causing me significant distress and financial inconvenience over the past XXXX months. It has come to my notice that there is a fraudulent credit card account listed on my credit report, which is negatively impacting my credit profile. 

I have been in contact with both [ Credit Bureaus and XXXX XXXX XXXX XXXX multiple times to rectify this issue, providing all necessary documentation and evidence to support my claim of fraudulent activity on this account. Despite my efforts and repeated requests for investigation, the erroneous information continues to be reported on my credit profile. 

This inaccurate listing is damaging my credit score and hindering my ability to access financial services and products that I need. I have taken all necessary steps outlined in the Fair Credit Reporting Act to dispute this fraudulent account, yet the resolution of this matter remains pending.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter for personal information correction was sent out to TransUnion, XXXX, and XXXX  on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. TransUnion replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and XXXX  failed to reply.
Product: Prepaid card

I used my card to get my rent money order. By the time I got across the street to another store, my card was turned off. I checked it. It had {$330.00} left. I did not spend the money. I was told the person stealing my money would not be aloud to take anymore. But in the following days, all of my money was gone. I was not aloud to use my card during this time. There was a total of {$720.00} stolen from my account. I did not use XXXX XXXX, the person taking my money used theirs.