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

I am writing to formally complain about the handling of my request to block information pursuant to 15 USC 1681c-1, as allowed by the Fair Credit Reporting Act ( FCRA ). This complaint is in response to your denial of my request to block information related to identity theft, as detailed in your response dated XX/XX/2023. 

I have submitted multiple valid requests, which were supported by identity theft reports filed with FTC on XX/XX/2023. Additionally, I provided all necessary documentation to support my requests, including, but not limited to, a valid driver 's license, identity theft reports, proof of address ( bank and mortgage statements ), a copy of my consumer report, a copy of my Social Security card, and the required statement to request the block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In your response, you stated that my request was declined based on the following reasons : - My request to block was made in error. 
- My request to block information was based on a material misrepresentation.

- I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. I assert that these denials are without merit and are in violation of the FCRA. I have demonstrated the validity of my identity theft claims and provided all necessary documentation to support my requests. The denial of these requests without proper investigation is a violation of my rights under the FCRA, including my rights to accurate reporting, the right to block information resulting from identity theft, and the right to dispute inaccurate information. 

As a result of these violations, I have suffered financial harm, emotional distress, and other damages. I am seeking resolution to this matter and a correction of my credit report in accordance with the FCRA.

I kindly request that you conduct a thorough review of my case, reconsider my request to block the information related to identity theft, and take the necessary steps to correct my credit report. I also request a written response detailing the actions you intend to take in response to this complaint, All disclosure, and names, numbers and addresses of all individuals or entities spoken to validate and verify all information I expect your prompt attention to this matter and a timely resolution of the issues raised. If necessary, I am prepared to seek legal remedies to protect my rights under the FCRA.

Also included are all documents provided with initial reports, responses from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion yesterday to submit a dispute regarding the inquiries that are present on my Transunion report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Transunion to investigate the inquiries present on my report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the opened XXXX XXXX XXXX account that was opened on my Transunion report. I provided credit card receipt showing the original charge was paid on credit card. I disputed the account and Transunion did not remove the account as I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX  that the information was reported in error and they would update the information with Experian, XXXX and XXXX. They never did.
Product: Checking or savings account

Crimes occurred XX/XX/year> to XX/XX/year> I am a victim of identity theft and fraud. A man, posing as a USAA bank security representative, called me while using a phone number registered with USAA. Gaining my trust, he then contacted my bank, USAA, pretending to be me. This deceitful scheme allowed him to hack into my account. He charged unauthorized purchases to my USAA debit and credit cards, submitted applications for two consumer loans in my name, and drained all the funds from each of my accounts, leaving me with devastating financial consequences. He used : XXXX, XXXX, XXXX XXXX and XXXX to commit the crimes. 

Names used to commit fraud : XXXX XXXX XXXX XXXX XXXX The crime has taken : {$10000.00} checking and Savings combined {$13000.00} credit card charges 2 Consumer loans {$13000.00} {$3000.00}
Product: Credit card

I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Checking or savings account

Capital one, did not deposit my payroll and that caused me multiple late fees since they did not make the funds available as its supposed to. I contacted them and they do not have a clear explanation of whats going on, theyre not even providing with a timeframe for that issue to be resolved.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Subject : Dispute of Fraudulent Account and Past Due Balance To : Capital One XXXX XXXX XXXX I am writing to formally dispute a past due payment of {$530.00} associated with a Capital One credit card account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with identitytheft.org and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Product: Credit reporting

In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
Product: Debt collection

I opened an account with XXXX XXXX XXXX when I was living full time in XXXX XXXX XXXX and XXXX. I actively used the account for some time, and then kept it open only because I had a couple of auto debits that I hadn't yet switched over. I planned to transfer them and close the account. 

In late XXXX, I started getting email overdraft notices from XXXX. I transferred money from my primary account a few times to cover these overdrafts and finally realized that the overdrafts were due to debits from XXXX. I do use XXXX to send money to my daughter, but only from my primary account at XXXX XXXX XXXX. I filed a fraud report with XXXX and, almost immediately, I received a secure message through their portal stating that the fraud report could not be pursued due to the type of transaction. I called XXXX, and spoke with a representative who stated that she would block any further transactions from XXXX. Needless to say, XXXX continued to pay the debits from XXXX, continuing to overdraw my accounteven after they were notified that the transactions were fraudulent. 

On XX/XX/XXXX, I received a call while I was working out of the country, telling me that my account would be charged off if I didn't pay the overdraft. I believe the person was named XXXX and her extension was XXXX at XXXX. I explained the situation to her, but she was not receptive. I had been unemployed for a couple of months at that point, and could not afford to pay *another* fraudulent overdraft. I had transferred {$150.00} a few days prior. I didn't want my credit to be affected, so told her that I would try to pay the balance ASAP. She gave me a deadline of a few days and told me there was nothing she could do, despite acknowledging that this type of fraud " happens all the time. '' XXXX sent my account to a collection agency. I was forced to pay the amount, under duress, to keep my credit report clean. XXXX also reported me to XXXX, knowing full well that this was a matter out of my control.
Product: Debt collection

I do not owe cavalry portfolio any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Product: Debt collection

I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXXXXXX XXXX XXXX XXXX  -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and XXXX  as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Product: Mortgage

Pace funding, now known as homerun financing came to my house 4 years ago and told me they could put in pavers in my driveway for {$17000.00} and the contracter did the numbers on his phone, wrote up a contract and had me sign it on his phone. They installed the pavers, did'nt put the gravel rocks under the pavers and my driveway sinks up and down like the ocean, the dirt is coming up threw the cracks which is a safety hazzard, i have already fallen once and i'm a senior citizen, XXXX years old vet with XXXX and the job after i got the bill was {$30000.00}. I've lost a lot of sleep over this. I also feel they took advandage of me because of my age. Also the company that did the work on my house was fired by pace but that doesn't help me very much.
Product: Vehicle loan or lease

I accordance of the Fair Credit Act this creditor, Santander/Chrysler Capital , Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account number : XXXX is being inaccurately reported with a 30-day late payment on Equifax, and some information does not coincide with other bureaus which I believe Equifax violates the MAXIMUM POSSIBLE ACCURACY requirement under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), because I have never been late on any payments. Additionally, Equifax reported this account without my permission and authorization, which is against the permissible purpose rules under 15 U.S.C. 1681b. Failing to ensure accuracy in reporting, will be treated as willful non-compliance under 15 U.S.C. 1681n allowing me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused.
Product: Credit reporting or other personal consumer reports

I am writing again to request that the continued inaccurate reporting of late payments and a charge-off status that is showing on my credit report be reinvestigate. This account was previously disputed, and I received a response indicating that the information had been " verified. '' However, this verification is flawed as it did not comply with the requirements of a proper investigation under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it.

XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at XXXX stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to XX/XX/XXXX collections about the situation they told me I had to file a dispute withXX/XX/XXXX customer service, a different office. I filed a dispute in early XXXX. XX/XX/XXXX has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back toXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING THAT I HAVE A VERY FAIR INSURANCE SCORE STATUS WHEN MY CREDIT SCORE IS OVER XXXX WHICH SHOULD BE EXCELLENT I ATTEMPTED TO FIND OUT WHAT IS CAUSING THIS PROBLEM AND LISTENED TO HOLD MUSIC FOR AN HOUR AND WAS THEN DISCONNECTED THIS HAPPENED 3 TIMES ALTHOUGH THE TAPE SAID MY CALL WAS IMPORTANT I REALIZE THAT IT OBVIOUSLY WAS NOT. I AM IN THE XXXX  XXXX  AND THIS SCORE IS DETRIMENTAL TO MY PREMIUM IT SEEMS TO A SUBSTANTIAL AMOUNT. I UNDERSTAND THE NEED FOR UNDERWRITING BUT THE SYSTEM USED BY INSURANCE COMPANIES IS OUT OF CONTROL. ESPECIALLY WHEN ATTEMPTING TO GET A CORRECTION OR FIND OUT WHAT IS CAUSING THE PROBLEM IS ALMOST IMPOSSIBLE. IT IS AN ABUSE OF THE SYSTEM WHEN IT IS USED THIS WAY AND YOU CAN NOT DO ANYTHING TO CORRECT IT. PLEASE ADVISE ME AN APPROPRIATE WAY TH PROCEED. THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX XXXX XXXX and Transworld System to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. GLBA does not apply here so do not even come with that rebuttle. XXXX XXXX  XXXX XXXX, and Transworld Sytem have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX Commission File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Product: Credit card

I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.