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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about Transunion, XXXX, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finacial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My son in law recently started assisting me with my finances last month and noticed I was getting a {$25.00} service fee every month on my checking account. I am a XXXX XXXX so i do not use online or mobile banking, I just rely on my local branch to provide me with assistance when needed. We called citibank together and spoke to a representative as well as a team supervisor. We explained that I have been banking with Citibank for 40 years and no one has ever suggested for me to be placed in a Basic Banking account which is free for anyone over the age of XXXX, i found this information from my son in law. I am now XXXX yrs old and i am sure after this is researched further u will be able to see that I have been receiving this {$25.00} fee for years.Basically after conveying this information to the supervisor he said there is nothing he could do, that i was supposed to tell citibank about their products and that i should have known how i can keep my accounts free. After the phone call i decided to put in this complaint because i feel like what citibank did to me is highly unethical and morally alarming due to my age.
Product: Mortgage

My mortgage is paid in full and up to date XXXX XXXX I paid my mortgage online. Accidentally typed XXXX instead of {$820.00}. 
XXXX XXXX {$820.00} was drafted from my checking account. 
XXXX XXXX {$820.00} was drafted from my checking account I requested one of the payments to be either reimbursed or credited to my account. 
XXXX received a letter from FirstBank stating that my mortgage had been transferred and I was to make payments to XXXX XXXX XXXX from now on. 
XXXX XXXX I received a reimbursement check for {$820.00}. It was stopped and I was charged {$10.00} I was contacted by XXXX XXXX XXXX saying that I was delinquent and owed XXXX, XXXX and XXXX. 
They told me FirstBank sent them my account and that is all it said. It did not have any prior payments. 
XXXX XXXX I was able to access my FirstBank mortgage online. It said the next payment owed was {$820.00}, XX/XX/XXXX, I received a letter from XXXX XXXX tax collector asking if I had a mortgage. I owed {$930.00} in taxes. -- -I pay my taxes and insurance through my mortgage XXXX XXXX I received a letter about a trial plan offer, if I wasn't approved, I would have a short sale or settlement statement. 
I was told that my delinquent mortgage had been sent to the credit bureaus XX/XX/XXXX. 
XX/XX/XXXX, I paid {$2500.00} to XXXX XXXX  for taxes and a two-month mortgage. 
XXXX XXXX I received a letter about foreclosure. 
I need this matter addressed, looked and cleared up. This has negatively affected me, and my family 's lives. I have been stressed with XXXX. I can't sleep, dealing with this situation has impacted my ability to do my job. FirstBank 's mortgage company has mismanaged my mortgage and finances, taxes and credit. If this is not looked into immediately, I have no other choice than to take legal actions. Attached are a few documents about my mortgage. Thank you
Product: Debt collection

Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Company re-aged an account as a new debt reporting and claiming for XXXX. Once I advised I have not been in medical facility since XXXX, the date was changed to match my statement. I have disputed thru credit bureaus. However, it continue to stay in my file without providing me with documentation. I request full validation including copies of insurance XXXX to provider where it shows I am liable for payment. I believe that all my liabilities -copays and coinsurance-were met at time of services as required by the facility in XXXX. That was until this account appeared in my credit report in XXXX. The collection agency has refused to provide additional information by not responding to any of my multiple requests.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Accounts on my report due to fraud are negatively affecting my credit
Product: Credit reporting or other personal consumer reports

I'm filing this complaint regarding Pentagon Federal Credit Union 's inaccurate reporting of multiple late payments to the credit bureaus. Their records mistakenly show several payments as late, even though they were made on time. This incorrect information continues to appear on my credit report and is damaging my credit score.
Product: Credit card or prepaid card

BANK OF AMERICA Last reported XX/XX/2021 {$0.00} Reported balance The account is not my account please remove from credit profile.
Product: Credit reporting or other personal consumer reports

I have reason to believed that the XXXX XXXXXXXX XXXX XXXXXXXX is not associated with me. I have no record of any financial transaction or agreement with XXXX XXXX, and I request that you verify the accuracy of this account 's ownership and show me a copy of the ( purchase agreement ) between XXXX and creditor for this dept If such authentic document can't be presented to me, I suggest TransUnion to delete this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute advising Equifax that an item appeared on my credit report that I was unaware of and must be a result of identity theft. This item was with XXXX XXXX / XXXX XXXX. Equifax verified the item and updated it. When I informed them the info was wrong they requested I send them a FTC report or police report. I then faxed them this information to the fax line with my identification and social security card. Instead of removing this item, Equifax removed nine other accurate accounts off my credit history & report and then added two other accounts that were not in my credit file. When I called notify Equifax of this mistake .. Equifax now refuses to provide information on my credit report. And, claim they can not verify my info. I then resent my identification documents and social security card as proof of identity and Equifax continues to refuse to provide information on my credit file. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are being reported on my credit report that needs to be looked into by the bureaus.
Product: Credit card

My credit cards were cloned and stolen in XXXX. While most of my credit cards handled the situation fine, American Express has been a nightmare to work with. I 've called dozens of times, received dozens of erroneous letters from them, they 've hung up on me countless times, and they even called my wife a XXXX and mocked her sarcastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian XXXX On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/2023 Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, or Experian ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, XXXX XXXX
Product: Debt collection

Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX  XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 XXXX XXXX XXXX contacted equifax, XXXX, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it Equifax failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Product: Credit card

On XX/XX/XXXX I purchased some items from XXXX with my XXXX  card for the amount of {$1100.00}. The same day my Bank of America card got hacked and they caught some suspicious transactions. This is where the confusion begins because XXXX charged by BOA card instead of XXXX. I wasnt aware of it. BOA called me and asked me if I recognized 3 charges, 1 of them being XXXX  charge. I said I didnt use my BOA for all 3 transactions. BOA filed fraud claim and refunded me the money back. But on the other hand XXXX told me XXXX  declined thats why they had to use backup payment method, which was BOA. As per XXXX advice I returned the items and withdrew the fraud claim. On XX/XX/XXXX I got an update from XXXX saying that, they refunded my {$1100.00} to my BOAs card. I checked with BOA because I didnt see it in my account they said it might take 4-5 days. I waited since when I didnt see any refund I went ahead and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX I physically mailed them the proofs and on XX/XX/XXXX I uploaded the proofs. Since then I have talked back and forth with several agents. I can provide their id, names and dates. However after all that they denied my case. On XX/XX/XXXX I reappeared and they denied my case again. The reason for denial is : I did not claim within their required time frame. But this is not true. I filed in time, sent and uploaded all the proofs. However, each time I call they they say they see where the mistake happened and wait 45 days and I will get my money back. 45 days at a time has added up 9 months. This is when I got fed up and shared my story with XXXX, there someone told me about this website. I am here with high hopes. I have audio recordings of all those phone calls too. I have posed some of it in my XXXX account too. I spent {$39.00} to promote my video related to this topic on XXXX, which I wouldnt have had to make or promote if they had done the right thing.