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

DISPUTE RESPONSE! 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 





AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS! IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Vehicle loan or lease

Application No. : XXXX Bank of America is in violation of 15 US Code 1642 USC 1681m and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore Bank OF America violated 15 U.S. Code 1691 - Scope of prohibition It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America ( 15 U.S. Code 1602 ( p )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX, Equifax, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Unauthorized Inquiries XXXXXXXX XXXX DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX I deposited a cashier 's check into my BofA checking account and was told the funds would be available next day. This check was from a new employer that I had recently been in contact with and did not question the timeframe of the funds being available. The next day, XX/XX/XXXX all funds ( XXXX ) were available. I then purchased XXXX gift cards as per request of the employer and made two money transfers through XXXX, one for XXXX and another for XXXX that same day so all money was spoken for ( both of these transactions are visible on my transactions list online and with the bank ). I checked my bank account the next Tuesday, XX/XX/XXXX and saw my account was negative XXXX. I called the bank, they told me the check bounced.. I then called my employer to let them know and asked for another check to be sent to bring my account positive as this was their error. They overnighted a check for the same amount ( XXXX ) and I deposited it into the ATM machine on XX/XX/XXXX, the very next day, the ATM machine stated there would be a hold on the check until Friday XX/XX/XXXX, so I waited. Friday came, and I checked my account and now I am XXXX overdrawn because this 2nd check has been returned. What I 'm confused about is the fact that the check is said to have been returned, yet there is now a new hold on this amount ( XXXX ) until XX/XX/XXXX.. next Friday. I called the claims department, and they said because I personally deposited the checks, they can not help me and it is now my responsibility to cover the amount overdrawn, even though they were the ones who told me it was fraud that was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

National Credit Systems is reporting that I owe {$8400.00}. I have requested debt validation, made pursuant the FCRA & FDCPA competent evidence bearing my signature, showing that I have or ( ever had ) an contractual obligation to pay you.
Product: Credit card or prepaid card

My chase credit card was charged for {$720.00} for an online purchase at XXXX XXXX that neither myself or my husband made. I reported this fraud to Chase and they issued a new credit card. After waiting for over a month, they sent a letter saying my claim was denied. I called them and they said that my husband bought an XXXX controller ( he did not and does not even own an XXXX ). They said they would reopen the claim but to also call XXXX XXXX, which I did and they claim that the purchase was made for curb side pick up at a location over an hour from where I live. They also say they will " investigate. '' This is absolutely ridiculous we have been Chase customers for years and have always paid on time/ never filled any other fraud claims. I will be leaving Chase if they do not resolve this issue and refund us.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXt and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you to formally address the ongoing issue of fraudulent charges on my credit report. Despite my persistent efforts and multiple attempts, the fraudulent items associated with charge off accounts continue to persist on my credit file, even after many attempts to rectify the situation. 

The fraudulent charges on my credit report not only tarnish my creditworthiness but also pose a significant threat to my financial stability and reputation. Despite providing ample evidence supporting my claims of fraudulent activity, it is disheartening to witness the lack of action and resolution from your end. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : 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

once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
Product: Debt collection

I checked my credit report and see a debt collection that I no knowledge of.
Product: Credit reporting or other personal consumer reports

I assert that the presence of incorrectly reported late payment remarks on my accounts constitutes a violation of 15 USC 1666. Every payment associated with these accounts has been made promptly, and any deviation from this accurate reporting is unjust and illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I was looking through my most recent DiscoverCard statement and noticed a {$70.00} charge for Payment Protection. After XXXX it the first few results were " Is P.P. a scam ''. I read this was optional and tracked it back to my very first statement in XXXX. I had never signed up for it. After adding up what I have paid thus far it totals {$3800.00}. I have been charged over {$700.00} in just XX/XX/XXXX alone!! That is almost {$4000.00} I have paid for something I never asked for nor opted into. Mind you this does n't include all of the interest also accrued do to these charges. It currently sits as 46 % of my current statement total. I called DiscoverCard to ask what they could do for me and the representative said the best they could do for me was give me back the last six months of charges. I asked him distinctly and clearly three separate times " So what your saying is I have been charged almost {$4000.00} for something I never signed up for and the only thing you can do for me is refund the last 6 months? '' which his reply was yes all three times. I hung up and decided to come here to use the protections within to help solve this very expensive issue that so many other people have experienced and have been taken advantage of. Its such a problem that the FDIC & CFPB have jointly forced Discover to pay restitution to effected parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried reaching out to experian multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to dispute. All they did was put a 90 day freeze to my report without me requesting it or without the problem being resolved.
Product: Checking or savings account

On XXXX XXXX I deposited a cashier 's check in the amount of {$45000.00}. After a period of 7 days, the check was successfully cleared. However, despite this clearance, US Bank has placed a hold on my account without providing any reasons or timeline for the hold. When inquiring about the situation, the branch informed me that the hold was implemented by the back office, yet when contacting customer service, I was told it was the decision of the branch. As a result, I am facing significant financial strain as I urgently require access to my funds for daily expenses and to sustain myself. I am deeply troubled by the lack of clarity and prompt resolution in this matter and urge US Bank to swiftly address and rectify this issue so that I may access my funds and continue to meet my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX at XXXX College. Im paying {$49.00} a month every month direct deposit to the school. However, they are reporting my account negatively on all three credit bureaus as an open collection as if Im not already making monthly payments of tuition directly to the school from my bank account each month. This is negatively impacting my ability to secure a home loan and provide shelter for my family. This is causing me economic harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.
Product: Debt collection

In XXXX, Target Credit changed my account from a regular store account to a regular Target MasterCard. I had this Target account for many years and had excellent credit. 

I made payments on this new card by phone just as I had always done with my old Target account. The automated would say my payment had been received. But when I would call to make the next payment the automated would say that I had skipped a payment or was late on a payment. This was very confusing as I always pay my bills and my XXXX score XXXX at that time. 

By the time I finally was able to get to the bottom of this my XXXX plunged to XXXX. They dropped my {$4000.00} credit limit to only {$1000.00} and that caused my score to drop so drastically. Evidently, my bank account number had been transposed in the transition from Target Store Card to Target MasterCard. 

After making a telephone payment with a representative, I asked the Target representative I spoke to on the phone to let me speak to a Supervisor. He said " there is no Supervisor to talk to. '' I even tried other Target telephone numbers to try to talk to someone else. I felt that my excellent payment history with Target should count for something. I do not believe this should have happened.
Product: Credit card or prepaid card

I was not receiving my credit card statements via email. I rarely use this card and typically pay for the charges same day. I sent email screenshots showing I didnt receive statements and also my statements showing every time I use my card there is a late fee. This is due to me not getting the statements. They finally called me in XXXX, I paid the balance and asked them to remove some of the fees. They did, but refused to remove the late fee from my credit. I have been with them over 10 years and never once late. During a national pandemic where some people can not pay their bill Comenity bank aka Children 's Place put a late payment on my credit report. However I am certain they will not do that for the people who can not pay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX for Improper Collection Account Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX regarding the reporting of a collection account that I believe is being improperly reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Disputed Collection Account : Credit Bureau Involved : [ XXXX, XXXX, & XXXX ] Collection Agency Name : XXXX XXXX Amount Reported : [ {$560.00}, {$560.00}, {$1000.00}, {$1700.00} ] I never had an original agreement with this third-party collection agency, and I have not been provided any legal proof that they have the right to collect or report this debt under the law. 15 U.S. Code 1681s-2 requires that information reported to credit bureaus be verified, accurate, and fairyet this account remains on my report without proper validation. 

I have attempted to dispute this with the credit bureau, but they have failed to provide me with adequate proof that this collection agency has the legal right to collect or report this debt. Since the credit bureau and collection agency have not met the legal standard of verification, I request that the CFPB intervene and require the immediate removal of this account from my credit report. 


I am formally requesting that this collection account be deleted from my credit report due to improper reporting. Additionally, I ask that the CFPB investigate this matter and hold XXXX XXXX accountable for violating my consumer rights. 


Thank you for your time and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft! I sent the proper documents for each fraudulent account. The companies continue to update my address from the credit bureaus which I did not give and authorization to do so. The accounts need to block and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint XXXX Explaining that this account XXXX DEPT OF EDUCATION did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account and review all the identity theft information that I previously sent you.