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

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an email about a replacement credit card from trust. But I dont have any accounts with this bank.
Product: Checking or savings account

Hello, I am writing today because I have had all of my major bank accounts closed. It started back in 2015. I had a XXXX XXXX  account & it was closed because I was unable to pay back {$200.00} that had gotten direct debited from my account. So, that account was closed and I still had an account with XXXX XXXX XXXX account, XXXX XXXX and BB & T. I was notified in the mail that those accounts would be closing as well & advised to have my direct deposit set up else where. I am a victim of Identity Thief. Someone at my dentist office stole my identity some how and I was sent an letter in the mail explaining. I also received a phone call from my dentist office explaining that I may need to put a lock on all credit. But, by this time it was already to late. I am XXXX XXXX XXXX & having a hard time with opening bank accounts because of something that someone else did to me. This is unfair and I am with hopes that I may be able to be helped. I have tried calling corporate and explaining to them my issue. I want this to be resolved even if Im allowed to open up an account with restrictions for a while they monitor my account. I just dont think I should have to deal with this because my identity was stolen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the eradication of a charge-off/collection account on my credit report associated with from XXXX XXXX Account XXXX XXXXXXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am committed to enforcing these rights to rectify the inaccuracies in my credit report. 

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Since XXXX I have been fighting this company and they seem to ignore FCRA law and just tell XXXX it's accurate data without providing contract documentation. I have sent multiple requests with no contractual proof. They are an unethical company. They act on behalf of Resurgent Capital whom I also requested contracts and they did not provide any as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However Ford Motor credit continues to report fraudulent information over and over. The account has been closed and written off for many months. However Ford Motor Credit continues to increase the balance and even know there is no payments due Ford Motor Credit reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to ford motor credit. So if the account is closed and charged off, written off and it shows no payment is due. How can Ford Motor Credit continuously report that my payment is late and how does the balance increase on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card and phone number were opened with XXXX in early XXXX. I contacted the issuing bank and Equifax to report the fraud XX/XX/XXXX.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting or other personal consumer reports

A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit continues to be hit for no reason and I really don't know who is doing it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I am a natural person and a living individual, entitled to rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. It has come to my attention that Experian, XXXX and XXXX are governed by this statute, has violated my rights multiple times. 
The account in question is : XXXXXXXX XXXX XXXX Account # XXXX This account is not mine, and the creditor has failed to verify it as belonging to me. I sent a letter requesting validation of this debt on XX/XX/year>. To date, XXXX XXXX has not provided a response or the original contract with my original signature. This lack of response is a clear violation of my rights under the FCRA. 
According to 15 U.S.C. 1681, I have the right to privacy. I did not provide Experian, XXXX, and XXXX with written permission to furnish this account, and therefore, they have no right to report it. Furthermore, Experian, XXXX, and XXXX are falsely reporting a charge-off associated with this account, which is entirely inaccurate. The information provided by Experian. XXXX, and XXXX is both false and misleading. 
By reporting this false information, Experian XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Additionally, XXXXXXXX XXXX  XXXX as the data furnisher, has also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing information if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the erroneous information be removed from my credit report immediately, as required by law. Please provide written confirmation that these items have been deleted or, if you decide to verify them, provide the name, address, and telephone number of the party that verified the information. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with XXXX and Kohl 's? XXXX XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXumber : XXXX
Product: Checking or savings account

I have attempted multiple times to transfer ( XXXX IRA / XXXX fund ) from TRUIST financial service to XXXX. I have now tried 3 different times and TRUIST keeps blocking the transfer for various reasons : 1. Unable to accept docusign 2. Wet signature in wrong location 3. Unable to access via telephone 4. Have to be seen in person at a TRUIST bank
Product: Mortgage

While we were in bankruptcy, our mortgage company " overcharged '' us for escrow amounts for seven months even after they had information which said otherwise. We did not pay and requested we handle our own escrow. The company never responded within the seven months but " recorded '' the non-payment as " delinquent payments ''. At the end of the seven months, the mortgage company reduced the escrow payments down to where they should have been and we begin to pay the correct amount but they never reconciled the " excess escrow '' amount with the recorded " delinquent payments ''. They went before the bankruptcy court asking for a " motion of relief from the automatic stay '' so that they could " foreclose '' on the property. We presented to the court our payments for the period in question and copies of their records which showed the payments being received. This resulted in an agreement to settle the matter outside the court, but the mortgage company never did that. Instead, they transferred servicing to another company who proceeded to threaten foreclosure, record " late payments '' and four months pass due payments. We have spent six years now trying to get the mortgage company and the servicing company to acknowledge what happened and how to move to resolve. 
The result has been we have had to pay thousands of dollars above and beyond the cost for resolving the issue and to this day, the servicing company and mortgage company refuse to finalize a solution which we feel would be fair to us and correct what we feel is the " false '' information being reported to the three credit bureaus. 
The lack of resolution has cost us considerable amounts of money in increased cost for other loans and services in addition to increased mortgage loan costs in continuing in a 5.375 % loan in a market where loans are offered as low as 1.9 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Money transfer, virtual currency, or money service

First, they put a freeze on my account for they told me my account hadnt had been closed. It went on for months and months open. They were still there were still a balance I was aware of multiple times I was asked to. Coming to the bank to identify myself with two forms of ID I did that multiple times they wouldnt give me give me any more information not even regarding my balance Destroying my account was gon na be closed multiple times its still but still open Account and its been put in with investments with short codes Continue theres been other accounts open in my name that I dont recognize. Ive had unrecognized unknown credit reports. XXXX in XXXX, my reports It goes on and on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Checking or savings account

see case number XXXX including the company response and my feedback ; I want to discuss further with the Ombudsman at XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made XXXX worth of purchases on Coinbase, the XXXX was withdrawn from my XXXX XXXX XXXX savings account. On XX/XX/XXXX I received automatic emails from coinbase statement my transfers failed, but they had intact come out of my bank account. I submitted 3 tickets with no response. I then had my account liquidated for XXXX. I disputed this with XXXX XXXX XXXX and now im getting emails saying I have more failed transfers. No customer service phone number and they don't answer tickets.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, submitted three certified mail disputes to Experian regarding inaccurate information on my credit report, beginning on XX/XX/XXXX. Under FCRA 1681i ( a ), Experian is legally required to conduct a timely and reasonable reinvestigation within 30 days. However, Experian has willfully refused to investigate my dispute, violating federal law. 

Despite submitting my dispute directly via certified mail, Experian sent me automated, generic responses falsely claiming my dispute was unauthorized or submitted by a third party. This is not trueI personally sent my disputes and provided all necessary documentation to prove my identity. 

Since Experian ignored my dispute and failed to investigate, I called Experian on XX/XX/XXXX. The recorded call confirmed that Experian never processed my dispute at all, meaning : No investigation was ever initiated, despite my multiple certified mail requests. 
Experian improperly discarded my dispute, failing to meet its legal obligation under FCRA 1681i ( a ). 
Experian falsely claimed my request was unauthorized, a known delay tactic violating consumer rights. 
The supervisor admitted Experian does not have a process to override an improperly rejected dispute, showing systemic noncompliance. 
XXXXperians Clear FCRA Violations : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ( a ) ).

Failure to provide verification of disputed accounts ( FCRA 1681i ( a ) ( 5 ) ). 
Wrongfully rejecting a dispute without justification, causing harm and financial damage. 
Requested Resolution : I am demanding that Experian : Immediately investigate and remove any unverifiable or inaccurate information due to their failure to comply with FCRA requirements. 
Provide proof of how they verified the disputed accounts and their investigation process. 
Provide a free, updated credit report reflecting all corrections and deletions in compliance with FCRA 1681i ( a ) ( 6 ).

Be held accountable for willful and negligent noncompliance under FCRA 1681n and 1681o.

If Experian fails to comply, I will proceed with legal action to seek damages, as permitted under the FCRA. 

Supporting Evidence ( Attached ) : Certified mail tracking numbers & dispute letters proving my request was sent and received. 
Experians system-generated responses rejecting my dispute with a false reason. 
Call transcript from my conversation with Experians representatives, where they admitted no investigation was conducted. 

This is a blatant violation of my consumer rights, and I request immediate action from the CFPB to hold Experian accountable.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Source Receivables Management violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Institution : Fifth Third Bank, XXXX, XXXX  In XX/XX/2022, I called the XXXX # provided to me in my bank statement to dispute an unauthorized charge on my credit card statement from XXXX XXXX for {$160.00}. 53 Customer Service, cancelled the card, issued a new card. But " FORGOT '' to complete their procedural steps to mark the charge as disputed. They applied numerous late fees and the worst part is reported it on my credit history. 
Due to this, I am having numerous hardships- denied access for mortgage pre-approval, higher auto insurance costs and so on. 

It has been SIX months and they filed another dispute but that was denied stating it was beyond the time allowed to dispute. 

They new tell me it has been escalated. It is difficult to good customer service. Their customer service agents DO NOT follow their procedure and cause undue hardship. I am now forced to take time off from work, loss of pay, and physically go to a XXXX  bank location to talk to someone.
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

The company is Coinbase and for more than a year I have had my account restricted and it does not allow me to withdraw my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Transunion, XXXX, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error.

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to Transunion, XXXX  and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither Transunion, XXXX  and XXXX  never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. TRANSUNION, XXXX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.
Product: Debt collection

I received a letter from Credit Collection Services in regard to a debt on behalf of XXXX XXXX XXXX XXXX that I do not owe. My policy ended in XX/XX/2023 and was on auto payment. Please be advised the letter I received was generated on XX/XX/2023 for an amount of {$170.00}. At this time, it is my estimation that this debt is invalid and does not belong to me.