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

I checked my Transunion credit report and noticed there was XXXX hard inquiries. I did contact Transunion and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted Transunion to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. Transunion need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that Transunion offer to their consumers.
Product: Credit card

Subject : Pre-Arbitration Dispute of Inaccurate Reporting and Statute of Limitations Violation Dear Discover Bank, I am writing to formally dispute inaccuracies in the reporting of my account and to address a violation of the statute of limitations. The details of the account are as follows please also review proof of the reporting : Account Name/Number : Discover Bank Reported Balance : {$5600.00} Opened Date : XX/XX/year>2007 Statute of Limitations Violation : The statute of limitations for reporting this debt has expired, as the account was opened in XX/XX/year>2007. Recent reports have included payments that were not made, seemingly to reset the statute of limitations period. 
Inaccurate Reporting : The reported payments are inaccurate. The account should reflect its true status, without fabricated payment history. 

I request the immediate removal of this account from my credit report due to inaccuracies and violations of the statute of limitations. 


Compensation : Due to the violations and inaccuracies, I am entitled to {$1000.00} in damages. Please provide compensation for the inconvenience and harm caused by these inaccuracies. 

Please advise whether you are willing to resolve this matter through arbitration, as provided in the cardholder agreement. If not, I expect a resolution within 30 days from the date of this letter. If these issues are not addressed within the specified time frame, I will consider initiating arbitration.
Product: Debt collection

I sent request to validate a credit card account to XXXX XXXX XXXX for a First Progress credit card account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.
Product: Credit card or prepaid card

Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00},
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Fraudulent Accounts and FCRA Violations Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding fraudulent accounts on my credit report and the failure of the credit reporting agencies to remove them under FCRA Section 605B. I am a victim of identity theft, and despite submitting a dispute, these accounts remain on my credit report, negatively affecting my financial well-being. 
Details of the Issue 1. Fraudulent Accounts : XXXX  XXXX XXXX Opened XX/XX/XXXX {$130.00} balance Secured Credit Card XXXX  XXXX Opened XX/XX/XXXX {$130.00} XXXX Credit Card XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Secured Credit Card These accounts were never opened by me, and I am requesting their removal.

2. Failure to Comply with FCRA Section 605B : Under FCRA Section 605B, credit bureaus are legally required to block fraudulent accounts within four ( 4 ) business days of receiving my request. 
I submitted disputes to Equifax, TransUnion, and Experian, but the fraudulent accounts have not been removed as required by law.

3. Personal Information Discrepancies : My correct name is XXXX XXXX, and my correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
The credit bureaus have listed incorrect name variations and addresses that do not belong to me. 
Attempts to Resolve the Issue I have submitted disputes to all three credit bureaus ( Equifax, Experian, and TransUnion ) along with an FTC Identity Theft Affidavit, but no action has been taken. 
I have attached supporting documents, including proof of my identity and credit report screenshots highlighting the fraudulent accounts.

Action Requested I am requesting the Consumer Financial Protection Bureau to : 1. Investigate the failure of Equifax, Experian, and TransUnion to comply with FCRA Section 605B.

2. Require the credit bureaus to permanently remove the fraudulent accounts from my credit reports.

3. Ensure the removal of any incorrect personal information from my credit file.

Supporting Documentation Attached 1. FTC Identity Theft Affidavit ( signed and notarized ).

2. FCRA Section 605 Block Letter sent to the credit bureaus.

3. Screenshots of my credit report showing fraudulent accounts.

4. Proof of identity ( drivers license ).

5. Proof of address ( utility bill or bank statement ).

Contact Information If additional information is required, I can be reached at the address provided above. I appreciate the CFPBs assistance in ensuring that my credit file is corrected in compliance with federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, -- - XXXX XXXX
Product: Debt collection

I received a call from this woman who claimed to be serving me papers, I saved the VM on my phone, she was beyond rude and told me she was going to call my place of employment, in which she did and spoke with my boss XX/XX/2018 how embarrasing over a payday debt in which I tried to resolve payments with the actual company since this woman is calling from a private number saying she was a third party collector for her client XXXX, this was for a XXXX payday loan, I immediately called this number XXXX that they told my boss they were coming to my work to serve me papers. Like a fool, they got me, I called back and spoke to a XXXX XXXX who said we were being recorded which I was okay with. He said his client would settle for XXXX and then I proceeded to give him my debit number and agreed to XXXX month per month to make good, then I received an email confirmation showing that they were settling for XXXX??? I called back and this woman, probably same one was very rude, I told her I agreed to a different amount and that I was being recorded I told her good replay it back so I can show them. This document they sent me doesn't even look legit, how do I know if they are real????
Product: Credit card

On XXXX XXXX, 2016 I received a letter from Macy 's thanking me for an inquiry that I DID NOT MAKE. The next day a refund check was issued for the balance on my Macy 's card in the amount of {$310.00}. I called Macy 's customer service immediately to figure out why I received these letters in the mail and was left on hold for a total of 2 hours and spoke to various representatives in various offices. They were able to identify that a fraudulent payment of {$300.00} was made to my {$100.00} limit account in XXXX, and that a fraudulent request for the balance to be refunded as a check was made shortly after. They told me they would issue a credit to my account to take care of the balance and that it would reflect on my next billing statement. I was advised not to cash the check that was sent to me. They assumed the payment was applied to the wrong account. On my XXXX billing statement I noticed on XXXX XXXX there was a payment reversal in the amount of {$300.00} and that was the reason for my card that I owed NO money on to now carry a {$300.00} balance. I waited the month they instructed me to, and attempted to use my card for a {$30.00} purchase in the store. When the purchase was declined, the sales associate called customer service to help me figure out what was going on with my card. I was on hold and in the store for a total of about 1.5 hours. There was no resolution and I paid cash. When I got home, I called their Fraud department and again, was on hold for over an hour while managers and service employees combed through my account records trying to figure out how the payment was made to my account without my consent and how the refund was authorized BY FAX without my permission and without proper identification. The request made by the fraud department was to send them a copy of my license for identification along with a description of the fraud my account has endured. I was completely thorough and included dates and descriptions of the transactions. I mailed everything in, and never received notification of receipt nor a response on any kind of progress with my case. The lady from the fraud department reassured me that the original disputed amount as well as all late fees associated with the fraud case would be taken care of and that all negative reporting to the credit bureaus would be removed upon resolution of the case. She advised me to close the account to stop the accrual of further late fees. I have been consistently charged a late fee for a balance that i never authorized for a total of 7 months with still no resolution. This has had a horrible effect on my credit score because of the monthly reporting of an unpaid balance. Also having to close my first and oldest account of 10 years has had a negative impact on my credit score as well. This is unacceptable. On XXXX XXXX, 2016 I received yet another letter from Macy 's regarding the check they issued to me on XXXX the XXXX notifying me that I have 60 days to cash the check I never asked for before they place a stop payment on it.
Product: Mortgage

PHH returned a payment of {$2500.00} I made on XX/XX/XXXX and I just made another one for {$1000.00} They are an evil criminal organization and impossible to work with. I can bring the account current by XXXX and am acting in good faith PHH is not. There is a pending class action lawsuit against them which I intend to join. The state of PA got them for XXXX  XXXX for improperly servicing loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that the 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 consist of a personal retail credit card account opened at XXXX on XX/XX/2016. Ive attached a copy of my Experian credit profile maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my Experian report maintained by you were not opened, made, or initiated by me. This aforementioned account XXXX is the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, has violated my rights. 

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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 process 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 and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. On XX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX Extension XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.
Product: Debt collection

I am a federally protected consumer and I requested debt validation from FedLoan Servicing. I have not received proper documentation to confirm the validity of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE
Product: Credit reporting or other personal consumer reports

remove all negative items immediately dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT ***PLEASE READ THE FTC REPORT IN DETAIL****
Product: Credit reporting or other personal consumer reports

TransUnion sent a black and white blurred faded in copy of my credit report which I am unable to read. I am unable to view my credit report online to correct the multiple inaccurate information on my credit report. It has been over 30 days I've been trying to obtain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, TRansUnion and XXXX refuse to investigate this abusive process claiming they must remain for two years.
Product: Debt collection

I am receiving frequent text messages from Midwest Fidelity Services LLC debt collector ( XXXX ) XXXX for a debt in the amount of {$4300.00} from XXXX XXXX. I dont recollect ever taking out a loan with XXXX XXXX for this outrageous amount. 

I want Midwest Fidelity Services to stop texting me requesting I pay this outrageous debt.