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

In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since  XXXX  it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX   He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Product: Credit card or prepaid card

The following debit card transactions of withdrawn money were made without my knowledge : 1. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
2. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
3. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
4. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 

I reported these transactions to TD Bank, at XXXX XXXX XXXX, XXXX. TD bank wrote a statement in-house.TD bank did not credit back my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the follwoing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had Identity Theft in XX/XX/2022 and immediately froze my Credit, About a month ago I found a credit inquiry on my XXXX for Bank of America, I called BOA and they found suspicious activity for a credit card in my name, i was informed to go into the Bank to rectify problem. On my one day off I went into Bank and was informed to make an appointment, which i did, On day of appointment went in and spoke via phone to Fraud department who on information i disclosed found no activity with regards to my social security number and were very quick to dismiss me without furthur investigation, I was very unsatisfied as an inquiry for BOA was on my credit bureau report and feel that BOA was very dismissive and did not do enough to investigate this issue '
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put me in collections for an account that I never used. I have asked them several times to send me the information and they will not. They sold the account to a third party collection company and they just say they verify the account as accurate but will not send me any account information. I have disputed it with XXXX who took it off my report, but Transunion and the others wont.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Checking or savings account

On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}
Product: Mortgage

Please see previous submission. I have more than 80 % loan to value. When I closed I had a 95 % LTV, but the appraisal came in so high I was instructed to call my lender and request the re-eval due to the appraisal being so much higher than the purchase price. I called Wells Fargo numerous, numerous times, probably XXXXive or six and they stated they were looking into it. Then I received notice that I had to pay for another appraisal, I stated, no, they told me they would be using the original appraisal and basing the new LTV against that as I had immediately followed up when I closed. I finally filed a claim in XX/XX/XXXX, waiting all this time for them to now respond to an issue that is not an issue. The issue is that my LTV is greater than 80 % now and all the way back to the closing ( XX/XX/2017 ). I knew my LTV when I closed, again, being told with the appraisal coming in so high, I would have the mortgage insurance dropped. This is unlawful to charge me for mortgage insurance when my LTV exceeds 80 %. The LTV was to be reviewed since the appraisal came in ( at closing ) and here we are almost a year later with no resolve. Do I hire an attorney or are there legal departments that I can escalate this? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses companies are violating my rights reporting in accurate information on my credit report can you please remove I already contacted the furnisher and requested to remove theses accounts XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 Section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1666B 15 U.S.C 6802B
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently opened a PayPal XXXX XXXX account within the past month or two. I have been making payments on the card at a minimum rate of XXXX per month. Sometimes I make extra payments from my savings account to get that balance to {$0.00}. So It could end up I make XXXX payments that month ( like a responsible adult ). Recently, I discovered my last payment made on XX/XX/23 would be held for 2 weeks. Effectively cutting my balance in half and disrupting my budgeting for the rest of the month. I called PayPal and was told of my funds release date and was told this would not happen again, as this first occurrence were for " security reasons '' only. This was a lie. I made a second payment yesterday XX/XX/23 to bring my total balance to {$0.00}. And this morning, XX/XX/23, I learned that my last payment still wont clear until tonight and my most recent payment ( both over {$1000.00} ) won't be released until XX/XX/23. Over the course of 2 weeks I have paid over {$2000.00} to this credit issuer and I have no funds ( ~ {$12.00} to be exact ) to spend as I write this. 

None of these " security measures '' were advertised to me in a way that was plain and obvious. There was no way I could have predicted that paying off my balances would result in me being penalized and flagged as a " security risk ''. Their excuse is that the funds could bounce and I could spend more of their money if they prematurely approved funds after my payment. Yet, every other reputable credit issuer would only hold my funds for XXXXhrs max. How can they do this and not PayPal/Synchrony? The funds have been approved and released from my account. That money is gone. When I asked If I should send cash instead, they highly discouraged it. They are afraid of my bank payments bouncing yet wont accept the most legitimate way of receiving their money. 

I suspect they want me to hold a balance so that they may charge me interest. Which should be a civil offense that should garner legal action. It is a morally corrupt system they have in place and I would have to deal with this for at least 6 months according to them before they can approve my payments any faster. 

I have requested a refund of my money since this credit card is useless and they do not deserve my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account ( XXXX XXXX ) on my credit file with Transunion and XXXX telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy listed on my credit report. I've sent multiple letters to the bureau asking for the METHOD OF VALIDATION ... in other words, WHO reported that bankruptcy to the bureau. To date, the bureau has not responded to me with any information I have requested.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau EQUIFAX ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ),

specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.


I also believe that the actions of [ Credit Bureau EQUIFAX ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/219, I received a Credit Alert from Experian. Experian Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On Experian my XXXX XXXX  XXXX account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Product: Credit reporting or other personal consumer reports

Evictions when I moved out do roaches and needles in the apartment. Old negative things on the 3 credit bureaus that the bureau keep putting on.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX SSN : XXXX XXXX This letter is being sent to you regarding accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.

8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX