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

My personnel info was compromised by a health organization 's records being hacked. I was advised by the company to place a freeze on my credit. As I had once had an account with all 3 credit reporting people I set about to do so. I managed to complete the task at XXXX and XXXX but Equifax has become a nightmare. I tried to establish my account on the phone with these people and was told that I had to mail in a copy of my social security card and a copy of my drivers license. I did so and received a response that their records were accurate which is not my complaint. My complaint is that I can not remove the credit freeze they have applied since I have no accessible account. The reason I sent in the documents was to have an account established because their employee managed to XXXX everything up and said there was nothing else she could do. I do know that on one of the forms she presented me with had a phone number on it that was not mine. I told her this and she said there was nothing else she could do, to send in the documents. I have tried to deal with these people but they make no sense. I have complied with their requests and get zero results. It is not fair that these people can control your credit availability and at a whim as they have done for me. All I wanted was an accessible account and no more so that I can apply or remove a credit freeze should I want to apply for credit sometime. I know that my credit is excellent and I do not need any information from these people unless they have lied about my credit which I can see easily happening.
Product: Debt collection

This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed XXXX XXXX # XXXX
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; 1 am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your re and a cony or such deetionregest sha ba sent o me mmedae y moved from my credht
Product: Credit card or prepaid card

I applied for a card through Chase because I am in the process of trying to build my credit and I have banked with them since I was a teen. I received a notification regarding my application dated XX/XX/2020. Indication there is a fraud protection alert on my XXXX  report. It instructed me to contact XXXX  to provide my phone # and then once that is provided to call chase back to let them know. That is when they confirmed I submitted the application and that even tho they had already did a hard inquiry they would be doing one again!?! I said absolutely not. No where on this letter indicated that another report would need to be pulled. It simply stated that once the information was updated with XXXX that they would continue reviewing my application. The initial inquiry already deducted 8 points that I cant afford. Again, because Im bettering my finances and paid off any and all debt and trying to better my credit. The representative and manager did absolutely nothing but say unfortunately there is nothing they can do. This was terrible customer service. I have that alert to protect my credit not XXXX me over even more. I was diligent in responding to them within the 14 days as indicated in the letter and it didnt matter. So now Im stuck with having to go elsewhere at this point costing me an additional inquiry regardless because honestly at that point I felt that if I did allow them to do it again Id probably get declined, be down an additional 8 points and in a worse situation than Im already in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX my XXXX cards and XXXX  card were stolen. All charges except the one on my XXXX  card were resolved/denied. 
XXXX  card was with USAA. They stated they did a thorough investigation but apparently they did not. There are several factors showing this charge to be fraudulent and still denied my claim. I am out over XXXX
Product: Credit reporting or other personal consumer reports

Requested my consumer report using my social and birthday and they refused because they couldn't match an address and refused to further explain or provide the report.
Product: Credit card or prepaid card

On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.
Product: Bank account or service

I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX  has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation
Product: Credit card

Synchrony CARECREDIT has failed to close my account now after XXXX attempts. 

After paying my monthly payment ON TIME, they closed my account by trying to take ANOTHER payment off an inactive card and then told me my account would be closed permanently. Hurt my credit AFTER I PAID MY BILL ON TIME. 

So, I go ahead and pay off my remaining balance. And SOMEHOW, I have been charged interest SINCE XXXX, when I paid off the account. I have paid the interest XXXX TIMES and I have spoken about closing this out XXXX TIMES. They keep charging me and I feel like this is unlawful at this point. Dont ever open an account with them. Theyre preying on people who need healthcare.
Product: Debt collection

This is in response to Goldman Sachs USA previous response on XX/XX/2020. 

Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX  XXXX  of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX   Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account  " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission.

According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and  investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, I received a Mail Correspondence to consolidate my credit card debt into one loan- From Bank Of America- I called and agreed to the XXXX Line of Credit for a term of 96 months. I called in XX/XX/XXXX to discuss with Bank of America as to why I was continuing to be billed after my Pay Off date- I was told that I did not understand how interest accumulates and that I still owed over 10,000. I said how is that possibly- If I purchased a car over 60 months at the end of the 60 months I would own the car- after 3-4 calls being on hold being transferred to numerous departments, I asked for all of payments to be sent to my address with my original agreement. I was told that my account has been closed and Bank of America can only retrieve records back 7 years- so let me get this straight you have no record of a commitment to our agreement- you have closed my account. Very Good- yet they continued to bill me and additional XXXX has been paid to them- XXXX loan - Bank Of America HAS RECEIVED OVER 84,000 FROM ME XXXX OVER MY 96 MONTH AGREEMENT. After I told them I was filing a complaint I received a phone call and they stated that we resolved this issue last year XXXX XXXX- I said this issue was never resolved I just kept paying you- The agnet said Sir the rates changed in XX/XX/XXXX we sent that information to you in your bill - I said WHAT ARE YOU TALKING ABOUT- How can the rates change - and why was the term extended- no response.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXX XXXX, in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX 1.Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion CorpXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under XXXX XXXX XXXX XXXX XXXX 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX card was compromised I contacted XXXX support and informed them, and they closed my account and said I had XXXX liability. I continued to make payments until it was clear my account was completely closed. My account was closed in XXXX of XXXX. As of XXXX of XXXX, XXXX started reporting me to the credit agency negatively without any written notification. I asked them to verify my address and they had the wrong address on my file as well. I contacted them regarding the issue, they informed me that they would correct it, all to just report the account as charged off as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

last year i contacted XXXX, XXXX and equifax about a fraudulent account on my credit report. They ignored me and refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian + XXXX Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

On XX/XX/2023 I purchased a {$250.00} virtual Mastercard gift card code for MyPrepaidCenter, which seems to be managed by Blackhawk Networks. I did receive the card, however, it ended up being locked due to multiple card declines. After calling support on XX/XX/2023, they told me that they needed to re-issue a new card number. When they reissued the card, I received a new link to access my card, however, the link would always error out and say " an error has occurred when trying to retrieve your card, please try again later ''. I contacted support once again and had them reissue me the card again, however, the link they sent still did not work. I ended up asking support to issue me a physical card, however, I still haven't received the physical card.
Product: Money transfer, virtual currency, or money service

PayPal continue to keep my money in their hands. PayPal does not allow my access to my money. Criminal minds get together and manipulate with my money. I need to pay bills and my money blocked away from me. This is unbelievable that I have to file complaint after complaint and nothing good happen. How come my complaints get closed at violators requests? The violators do anything, any tricks they want and everything to obstruct justice and retaliate the complainer. 
I am losing every day, because my money practically stolen by PayPal and XXXX XXXX. They want to make profit for them holding onto my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reflecting a " XXXX '' XXXX account as open which both XXXX and XXXX show as closed. XXXX has sent me repeated confirmations of the account closure in XXXX and XX/XX/2023. This is extremely frustrating.
Product: Credit card or prepaid card

We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FILED : XX/XX/XXXX XXXX ;