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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

n accordance with the fair credit reporting act XXXX  aXXXX XXXX  XXXX 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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) XXXX  Balance {$120.00} XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Debt collection

I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am informing you that I have been impacted by a data breach and am requesting the deletion and blocking of specific accounts and inquiries from my credit file, per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXX, Date Opened XXXX XXXX, Balance : {$0.00}
Product: Credit card

Unauthorized transaction happened through XXXX and other forms of payment. I disputed other transactions that happened the same day and time. One after another and this one was denied due to someone receiving a product. Card got lost or stolen as well and have not been able to purchase anything in this card since the incident happened. I thought I lost the card in the house but it isn't here after looking for months. I never made this purchase or received any product. Please help. This was not me.
Product: Debt collection

As I currently work and live in. XXXX, I made a payment a few days late for purchases made on my XXXX credit Card issues for XXXX XXXX XXXX. Upon a visit to the US in XX/XX/XXXX, I realised that XXXX has been charging me monthly late fees and interest on my late fee. I called them and we agreed that I pay a fee of {$30.00} which I paid by electronic check drawn on XXXX XXXX  during the conversation on XX/XX/XXXX. The balance of the late fees was to have been written off at that time. I returned to the US in XX/XX/XXXX for an XXXX   and have realised that despite the agreement made on XX/XX/XXXX,  XXXX did not write off te balance and have been adding monthly late fees so that now the balance is {$430.00}. I called them and asked that they replay the conversation I had with them on XX/XX/XXXX, but all they say is that they will start legal action to collect this debt. I obviously can not force them to investigate the recording ( hopefully you can ), but this is such an abusive practice on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fifth Third is reporting a late payment on my credit report while actively in a bankruptcy XXXX XXXX  this is illegal and goes against the Bankruptcy code XXXX and I have never been late on any payment.
Product: Credit reporting

I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had a XXXX XXXX and it was cancelled due to putting someone else Check, and ever since then I could never open a bank account in XXXX XXXX XXXX, anywhere I go wont let me open an account, all I have is XXXX XXXX XXXX but they are not real banks, I need help to fix my credit report, I know I messed up my credit report for taking money out to other people, is all in my statements where the money went and whatever the issue may be, need a program or anything to fix my credit score or a Bank I can go to, to show I am responsible and I just got carried away
Product: Debt collection

I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}, DEPT OF EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6600.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$6400.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$9800.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.
Product: Debt collection

Collection agency reported a collection debt to my credit report with XXXX  and XXXX without notifying me of the debt in writing. Only phone calls. Disupted entry with XXXX and demanded validation of the debt. They reported " Information verified as accurate '' and nothing else and no other information was sent to me. As of XX/XX/XXXX, no written communication of any kind has been received by me regarding this debt and calls continue.
Product: Checking or savings account

Dear Friend, I have been a customer of Bank of America for over 14 years. 

This past year I canceled my regular checking account and decided to open up a Business Checking account for my growing business. 

I believe I signed up so as I would never be charged over-draft fees and my card would n't be used if my balance were to become over-drawn as a result of use After using my debit card over the course of 72 hours in approximately late XX/XX/XXXX I was informed late on the third day that my account was over-drawn ( this was the first and only notice ) At that time I looked at my account and was shocked and appalled that my balance was negative XXXX I used my debit card 10 times, over-drafted 10 times, and was charged a non-sufficient funds fee of {$35.00} EACH time! 

I went into the local branch on XXXX in XXXX, Oregon, promptly to try to resolve the matter. 

I was informed that, even though I had sufficient funds in my savings account of over 1,000 that my account was charged a fee 10 times not as an " over-draft '' fee but as a non-sufficient funds convenience fee. 

I e-mailed corporate and have only received one voice-mail from them ; they have refused to return my subsequent phone calls This does n't make sense on mulitple accounts. 

First of all, how was my account exactly - {$350.00}, after 10 charges of {$35.00} fee each, if my account DID N'T have the money in it to pay the transactions? My account should have been - {$350.00} PLUS the value of the items I purchased Second ; I have a checking account, not a credit card, the ability to over-charge the account in the first place should be called into question, let alone 10 times! 

Finally, as mentioned before, as a long-standing customer AND a customer that had money in the SAME Bank I do n't see how a company can justify charging a customer that many fees especially in such a small period of time UPDATE : I was finally allowed back into my account after being locked out for security issues ; They have reimbursed most of the fees, without informing me, and because of this I have been charged a monthly account fee and more insufficient fund fees I would like those fees to be reimbursed and my account to be back to XXXX
Product: Debt collection

The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

Edfinancial services has been claiming I owe student loan payment to them, even though all of my student loans have been paid off for over 5+ years and I have never used Edfinancial . I contacted them to try and fix the situation but they simply responded I have to pay back the loans. The loans were for a college I did not attend and says that payments have been made to them, even though I never made a payment and did not even have an account with Edfinancial. After several months of explaining that there must be some mistake they continue to send me charges and late fees for students loans I never took out
Product: Credit reporting, credit repair services, or other personal consumer reports

Comes Forth Your Petitioner States that XXXX XXXX has purchased a debt from citicards while the account had an open previous dispute with the previous company. XXXX XXXX   Purchasing this debt from citicards assumes the debt and its liabilities. XXXX XXXX  has failed to address the dispute of a bill not being received and transactions on the account. XXXX reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with XXXX and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this.

Petitioner is requests CFPB order XXXX  to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on citicards to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.
Product: Debt collection

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX three months later, I receive a letter from Caine & Weiner dated onXX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
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 on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking and removing of the fraudulent inquiries which were being posted to my report. Here is the list of inquiries which 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 XXXXXX/XX/XXXX
Product: Checking or savings account

RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This complaint referenced above has been closed with XXXX  XXXX XXXX stating Cadence Bank must now contact the federal reserve to attempt to locate my missing {$7000.00} payment from the Cadence Savings Account ending in XXXX. I've copied the original complaint below and will attach XXXX XXXX  XXXX 's final complaint response and redacted XXXX Statement. 
I must now respectfully enlist your support in dealing with Cadence Bank as my numerous attempts in person and on the phone dealing with local and regional management has yielded nothing but the continuing accusation that XXXX XXXX XXXX lost my money and that they were responsible for returning it. Please help me ; again. 

Attempted a split payment of my XXXX XXXX  XXXX credit card bill due XX/XX/XXXX. A portion of the balance was taken from business checking and the other from personal savings as it was a large medical bill. Both accounts were debited. Three days later an email arrives stating the {$7000.00} debit from savings had been returned unpaid. After four separate phone calls to XXXX XXXX XXXXXXXX and several to Cadence Bank ( where the saving account resides ) I still have the funds missing from my account yet XXXX XXXX XXXXXXXX says they never received it to refund it. XXXX XXXX XXXXXXXX claims I entered routing/account information wrong on their website yet the money was debited and 2 and a half weeks later has not been returned. Cadence Bank is conducting their own internal investigation. XXXX XXXX  XXXX, whose representative named Justice in digital banking had said the money would be returned to Cadence Bank with 10 business days ( today. ) Today XXXX says the money doesn't exist to return. I must pay the {$7000.00} by XX/XX/XXXX ( the next due date ) but have not interest in paying another {$7000.00} until the first {$7000.00} has been returned to me. I'm extremely displeased with XXXX XXXX XXXXXXXX at this point and find their handing of the entire matter wholly unacceptable. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnionXXXX after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed and corrected. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}