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

XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C.

Section 1681c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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 XXXXXX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that the EXPERIAN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against CAINE & WEINER for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. CAINE & WEINER has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with CAINE & WEINER Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with CAINE & WEINER proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. CAINE & WEINER conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that CAINE & WEINER take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If CAINE & WEINER is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation.

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Yes I have some on paperwork show XXXX  about {$400000.00} XXXX stolen from me I like my cash back and I'd like you to look at these fraudulent paperwork and they wouldn't check the dates I said it was XXXX XX/XX/XXXX or XXXX to the end and this last month or two months in XXXX XXXX paperwork says they can pretty much steal from me throw my deposits out not ship deposits from me or anything do whatever they want I'd like to go to look at it and I like my money back from the other times get don't
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report is showing up inaccurate. This is not fair to me because i can not obtain credit due to the fact that the bureaus are all reporting different dates on these accounts.
Product: Debt collection

I received a letter from American Coradius International LLC stating that I owe {$110.00} on {$29.00} that I owe to XXXX XXXX. The issue is that I don't and have not had a XXXX a balance owed. There are no delinquencies listed on my credit report. I never received a notification from XXXX that I owed the {$29.00} and only learned about once I received the letter from ACI claiming they were trying to collect a debt. This is 100 % fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has allowed a creditor to re-insert an account with inaccurate and incomplete information on my credit report TWICE. I will attach the documentation showing the details. TransUnion has broken multiple FCRA laws. They've violated laws of my right to accuracy of information - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( a ). It is the job of credit bureaus to not allow reinsertion of negative information once deleted - 15 U.S.C. 1681e ( c ). TransUnion has continually stated that the creditor has listed this account as accurate and complete. 

This account was disputed because the information was incorrect and incomplete. Therefore once deleted, this information should not have been reinserted to my credit profile. The creditor is not providing complete and accurate information and therefore should not be reinserted - 15 U.S.C. 1681i ( b ) ( i ). The creditor was contacted and it was found out that the creditor was furnishing inaccurate information to the credit bureaus as well. TransUnion promptly delete this account from my credit report. As shown in " XXXX XXXXXXXX XXXX '' image from the creditor themselves, it doesn't list an exact open date. It also doesn't list the date of first delinquency. 

Once again this account has been reopened on my credit profile and it has the wrong open date. Also, the date of first delinquency is still not listed on the account. As you can see from the documents I've attached, the open date has changed on TransUnion 's report, which is still in error. The open date that is listed is of the original creditor and not of the collection account. This account is completely inaccurate. I also was not given proper notice also within 5 business days of the reinsertion, that's also a violation - 15 U.S.C. 1681i ( b ) ( iii ). There was also no notice that I as a consumer have a right to add a statement to my file disputing the accuracy and completeness of the disputed information.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed with Trans Union, XXXX and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello On XX/XX/XXXX I sent out a letter to XXXX, XXXX, Transunion I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Product: Credit reporting or other personal consumer reports

I was told negative item will be remove off my credit report but it hasnt
Product: Credit card

On XX/XX/year> I received an Email stating that there was an attempted charge to my card for {$930.00} and that the email was being sent out due to suspected Fraudulent charges. On the same day, A second charge had gone through to my account for the amount of {$320.00}. Ref # XXXX and Transaction ID # XXXX. 

According to the charges ; this was made in XXXX TX. I, however, was physically in XXXXXXXX XXXX  at this time and would have been physically unable to purchase anything at any location in XXXX. No one else is authorized to use my card. 

I have tried disputing this charge twice, once in XXXX then again in XXXX. I did not authorize this charge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX account on my name is still not removed or not marked a fraudulent on my XXXX report, I have documentation that can be attached as proof. I have never missed a payment with any of my own account however my credit report is showing as it horrible this will need to be rectified and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter in the mail stating I owe XXXX for an apartment I never even applied for let alone stayed in! I call the apartment complex and I was told I moved into the apartment XX/XX/XXXX which is impossible bc I brought a house XXXX 2017. Into further investigation someone stole my identity and I was able to get information for the person who stole my identity they actually work for a apartment screening company and Ive only applied to one apartment since living here in Ga. I believe that is the person who stole my identity. The apartment complex who say I owe the only too said they can not release personally information since I showed them it wasnt me! They do not verify ur rental history or verify your job at the apartment complex all they ask for is id and recent check stubs!
Product: Debt collection

National Credit Systems Inc. was reported on my credit report XX/XX/2024 with an amount of {$1700.00} owed. This account is fraud. I already filled out a FTC identity theft report.
Product: Vehicle loan or lease

I purchased a XX/XX/XXXX     XXXX   XXXX    with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on   XX/XX/XXXX   in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   )   XXXX  In itially there were two 30 day lates, one reported on    XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only  removed one 3 0 day late which was the  XX/XX/XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  Sales  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on   XX/XX/XXXX   so how can we have a 30 day late on our credit report for  XX/XX/XXXX & XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the   XX/XX/XXXX   late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Vehicle loan or lease

Flagship Credit has continuously reported increasing balances. By law after 30 days is late!

I have never paid past 30 days. Because if COVID 19 and this pandemic I have not paid on the due day exactly but never late! I am granted grace period. They are dropping my score reporting increased balances. Where are the increases coming from? It is not legal!!!! They financed this car that breaks down and not even reliable and 3 months later the dealership closed, Im seeking out this loan ASAP! Nothing but fraud, high interest! They report incorrectly!!!!! Inaccuracies in balance and I am known going to seek action.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - received email from Bank of America that they received an application for the XXXX XXXX XXXX Credit Card. I did not submit this application. I called them and asked that it be marked as fraudulent and shut down. They said it would take 5-7 business days and I wouldn't receive any written notification about it. 

XX/XX/2022 - called the department that processed the credit card application at B of A, I asked for a copy of the application. They mailed me a FACT Act Request Form with instructions on how to submit it. 

XX/XX/2022 - faxed the completed FACT Act Request Form along with documentation ( driver 's license, SS # ) from a Bank of America branch in XXXX, NJ to the fax number on the form. 

XX/XX/2022 - still no response from Bank of America.
Product: Credit card

Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
.
Product: Credit reporting or other personal consumer reports

I have an account that was opened by credit acceptance car loan is supposed to closed