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

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 
The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ).  Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and Transunion continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX XXXX and TransUnion to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
Product: Debt collection

I checked my credit report and found I C System collection agency on my credit report. I then contacted because I wanted to know what this was and who it came from. I was told that they are collecting on behalf of XXXX XXXX XXXXXXXX  in which I have never had. I was directed to XXXX XXXX  XXXX and sent to there fraud department sending a letter stating I wanted validity of the debt and any information that they had to make this debt valid. They would not send me any information I also asked for them to remove the item until they could validate this debt. The debt is only {$310.00} dollars but this debt is not mine and they will not remove this.. So IC SYTEMs and XXXX XXXX  XXXX are together on this one and someone needs to show the validity of this debt or remove it from my credit report
Product: Student loan

I sent a notice in writing to the lender ( Pennsylvania Higher Education Assistance Company/XXXX ) that I wanted them to stop putting my account into paid ahead status. I instructed them to apply overpayments to the principal balance of a particular loan. I received a letter from the lender on XX/XX/2018 stating that they approved my request. However, the lender has not complied with my request. In both XX/XX/XXXX and XX/XX/XXXX, the lender put my account into paid ahead status, and has not applied the overpayment to the principal of my loan as I requested. My account is still in paid ahead status today, and overpayments have not been applied as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I received 4 payments from a customer over the course of about 3 months starting in XXXX. The customer decided 4 months later after our business was concluded to try and reverse the payments causing Regions bank to remove access to my accounts. I conducted an identity verification on the customer using XXXX proprietary ID verification system and had the customer sign a contract. I even provided this documentation to a regions banker who uploaded it for back office. There is no reason why my accounts should be frozen. Regions currently has about {$15000.00} of mine and is not giving it back.
Product: Checking or savings account

My first comment is that you did not allow me to make a selection based on FRAUD. Money was stolen from our bank accounts. If you are not the department that handles fraud please advise me asap. I will continue with this complaint in the hope that you CAN offer assistance. 
I am a resident of AZ an was visiting family in the XXXX area. My parked/locked vehicle had a window smashed and my purse was stolen from it @ noon on Sat. XX/XX/2021. I filed a police report with the City of XXXX, OK immediately, and can provide that info if needed. I called PNC Bank that same day and reported my debit card stolen and asked them to cancel it, to put an alert on my account, and send a new card to my AZ address, which they did. 
I returned home via car as I had no ID to fly back. Then @ 3 weeks later, on XX/XX/2021, XXXX rec 'd an email from PNC Bank that my checking account was at a {$0.00} balance and I immediately drove to our local branch in XXXX XXXX, AZ. The teller, XXXX XXXX, informed me that 3 checks had been cashed out of our account at 3 different branches in Alabama for a total of {$12000.00}!! Our Money Market account acted as overdraft protection, so they processed all three checks even though that much was not in our checking account!! I explained to XXXX about my identity theft and brought him a copy of the police report the following day. He had me sign 3 separate affidavit forms, stating that I had nothing to do with those withdrawals- it was blatant fraud. Since then I have left numerous messages with PNC 's Customer Service line and even on their Fraud Investigation line. I got a phone call once from ( sp? ) XXXX XXXX, asking if anyone had contacted me yet. I also spoke to and received an email from XXXX XXXX, a Case Mngr in Retail Support XXXX, ext XXXX in which she advised me it could take up to 120 days for our money to be returned, and then suggested it may only be 30 days. She indicated our {$12000.00} COULD be returned by Sun, XX/XX/2021 but I have called her back & left a message to confirm that, and have not heard back from anyone as of writing this complaint. This is an extreme hardship on us to have that money stolen and not even been given a provisional credit to help us through to pay our bills, especially at XXXX time. The way they have ( not ) handled this is totally unacceptable to us. It has been 30 days since our money was stolen and we need help to get it back!
Product: Credit reporting or other personal consumer reports

Midland Funding using the XXXX XXXX lawfirm entered a judgement in court against me for a credit card debt. This debt is listed on my credit report. I have been paying on this debt by taking my payments to the XXXX XXXX XXXX in XXXX NC where the judgement was filed. Periodically my credit report keeps showing an increase in the amount I guess due to interest accrual. But Midland Funding refuses to update the payments made even though XXXX XXXX has reported the payments to them. For instance I made a payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX and another payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX. Since XX/XX/XXXX they have reported on my credit report an increase to the balance on this debt at least XXXX XXXX XXXX times and have yet to decrease the balance to reflect any of the {$400.00} in payments. 
This has happened regularly over the past year since I started making payments via the XXXX XXXX XXXX office. I have entered numerous complaints through XXXX and XXXX ; usually that leads to them correcting the debt amount. They appear to be intent on adding as many negative hits against my credit report even though I am paying on this debt regularly. The XXXX number is XXXX XXXX. XXXX.
Product: Vehicle loan or lease

On XX/XX/2023 I sent two payments, via Bill Pay, from XXXX XXXX XXXX XXXX XXXX XXXX ) to a USAA auto loan. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. USAA claimed that there were insufficient funds. I can see in my USAA account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My USAA auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023.
Product: Checking or savings account

To Whom It May Concern : Thank you for considering my case. It is greatly appreciated. I have been dealing with ongoing, fraudulent transactions through my Bank of America account in connection with XXXX. From XX/XX/XXXX to XX/XX/XXXX, I have filed various claims and even more requests to Bank of America to stop any and all transactions from XXXX. Despite these interventions, the unauthorized transactions have continued, and I have lost more than {$2000.00}. 

At one point, I convened a meeting between Bank of America 's claims team, XXXX, and XXXX to identify a resolution. I was advised that XXXX couldn't find the account charging my card, and therefore couldn't discontinue the transactions ; that XXXX couldn't provide a remedy given their agreement with XXXX granting the latter the right to request a customer 's debit card information, even if it is replaced ; and that Bank of America could only offer stop payment options, which can be bypassed if a Merchant even modestly changes their name.
Product: Vehicle loan or lease

My car was wrecked in XX/XX/XXXX and it was considered totaled in XX/XX/XXXX. I called to get payoff amount and they informed me on XX/XX/XXXX that it was approximately {$8100.00} prior to insurance payment and prior to approximately {$1600.00} credit for car warranty that would be cancelled and that they would owe me after all payments are applied. Well when I logged in on XX/XX/XXXX and called them they argued stating otherwise and have added additional interest fees and have a payment still reflected as past due when they just got a large payment from my insurance on my behalf. Im being given the run around. This company seems like a XXXX  and I want it investigated.
Product: Credit card

In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.
Product: Student loan

I would like to work online for my school to pay off debt for my XXXX XXXX cant get anyone to assist in getting me started my health will not allow me to compete in any service oriented jobs to wash the loan or get rid of half amounts I am of age now and this is causing me a lot of unneeded stress Thanks for a solution I have many friends younger than I am a their student loans are eradicated and this is very disturbing and negatively effecting my over XXXX XXXX unnecessarily my loan have been hanging over my head for over XXXX yrs and nothing has been done except delayed only to come back on my report and now I cant go out in the workforce
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I XXXX XXXX notified Car Hop of Tacoma by phone regarding a job and playdate change.That my payment on XX/XX/XXXX was ok to take but after that my pay dates needed to change to the XXXX and XXXX. I was told by Car Hop I would need to pay XXXX by ACH on XX/XX/XXXX and that I would have to agree to void ACH authority for payments after this for a period of two payments and agree to pay a XXXX fee for payment by phone for two payments or XXXX. I agreed, and paid XXXX in XXXXwo payments of XXXX and XXXX on XX/XX/XXXX as agreed by phone. Then on XX/XX/XXXX my old payment date Car Hop stole XXXX from my XXXX XXXX account that was not authorized. This is the 2nd time Car Hop has taken an unauthorized payment in less than 1 yr and last time refused to return my money and only offered a credit.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/year> 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

A XXXX XXXX XXXX XXXX was opened for a used car. 
XXXXXXXX XXXX receives payments on time from me and continously has reported late payments, without demonstrating any proof or evidence to substantiate the claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into the branch and personally spoke to the manager and called customer service for XXXX XXXX to correct the inaccurate information on my credit report.
Product: Debt collection

I have reached out to the company and tell them that my identity was stolen, and some of the charges are not mine They sent me a paper from the magistrate court of XXXX XXXX Georgia. I have reached out to a credit agency to help me fix my credit which is credit saint and they still havent removed it off my credit I was port of a data breach.
Product: Debt collection

ROZLIN FINACIAL GROUP XXXX XXXX XXXX XXXX, IL XXXX. Has been nonstop calling me harassing my life at early morning times like XXXX XXXX  and even sometimes at XXXX late night. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. I when I call them, they said the collection is from a storage unit in XXXX. I never been to XXXX. Please they do not stop calling me and I have repeatedly told them to leave me alone. The Company does not have a contract with my signature.
Product: Credit card

There is an issue with a transaction on my Amex Platinum ending XXXX that I have brought to American Express ' attention several times, most recent being on XX/XX/2024. The transaction is {$3700.00} charge from XXXX and reference is XXXX. I have made it clear to American Express that the charge is unauthorized, made with someone else 's XXXX account with my card details accidentally saved on a former employer 's PC. Luckily whatever order was made ( I think, since I don't have receipt from XXXX and they do not work with me since I am not the account owner or purchaser ) was delivered to my address ( although under wrong name ) and I was able to return the whole thing to XXXX, which I have also demonstrated to American Express and they've even acknowledged the fact that I did indeed return the goods. Regardless of the issues, Amex has been unwilling to fix the issue and they keep calling me that more information is required, but whenever I call back ( XXXX ext XXXX ), nobody picks up the phone even though it is during normal business hours.
Product: Money transfer, virtual currency, or money service

A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX a am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of [ Name of Credit Reporting Agency ] may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with EQUIFAX through CERTIFIED MAIL.