23daVinci/CFPB_Complaints huggingface dataset:
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 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX 'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions. 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, have violated my rights. 

15 USC 1681b states, I have a right to privacy.

15 USC 1681b A ( 2 ) further states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, my wallet was robbed of cash, credit cards, my atm/cr card, blank checks and gift cards. As a result, I had to close my bank account and obtain a new one as well as a new atm/cr card. Because of the delays many of my creditors were paid late in XXXX. None of my creditors reported negatively to the credit bureaus but Bank of America. B of A closed my account and reported a late payment. This one late payment was the only one in 81months! I have attempted to get this changed going thru XXXX twice but they are steadfast. I offered to give them the PR # but they just refuse and stand their ground. I do not believe I am being treated fairly. This was out of my control and it was one occurrence in years of being with them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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

EQUIFAX IS REPORTING ACCOUNTS DOUBLE THE BALANCE - THE PDF I'LL UPLOAD REFLECT THAT, PLEASE TAKE A LOOK AT : TOTAL CREDIT LIMIT TOTAL CREDIT BALANCE TOTAL MONTHLY PAYMENT AMOUNT THIS IS HINDERING MY OPPORTUNITY FOR A MORTGAGE AND EQUIFAX HAS NOT UPDATED AFTER MULTIPLE REQUEST THANKS XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian by phone on several occasions to ask that the hard inquires on XX/XX/XXXX & XXXX 2020 be considered as one. I was looking for a mortgage. I even told them what I found on your website : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 
At least one of the mortgage companies said this is not uncommon with Experian
Product: Debt collection

Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report without any response or update from the credit bureaus. My rights have been violated and I should be compensated for their neglect to do a timely investigation per the FCRA.
Product: Credit card

This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Checking or savings account

XX/XX/2022 I received a text message from XXXX ( XXXX ) XXXX that said a charge on my BECU card, made in Alaska, needed to be authorized. It included a link for responding. Which, unfortunately, I clicked on. It asked me to log into online banking. 

I ended up giving my birthdate, ss #, phone. Then the site said I'd need to call customer service to complete the transaction successfully so I called and spoke to a person named XXXX who asked for my address and mothers maiden name. When I went to the branch they said the phone call was probably also a scammer. They said I should take my phone in to the service provider or manufacturer because the link probably put malware on my phone! 

Since this morning I've been trying to address all the places this could hurt me. My other credit card, my other banking situations, etc. A a screenshot of the text is included below
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and ask them to remove all late payments and they refused to.
Product: Debt collection

On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help
Product: Checking or savings account

I was laid off from my job as a XXXX XXXX on XX/XX/XXXX. I was hit by a car on XX/XX/XXXX and then my father died XX/XX/XXXX. I had to take care of my fathers service and funeral and I was not eligible for XXXX  or the XXXX XXXX XXXXXXXX offered at my office. I finally received a long awaited XXXX XXXX life insurance check and I deposited immediately to my Truist account and the put a 10 day hold on it. I was told by their check fraud department that if I went to my branch that the branch manager could remove the hold at their discretion when I went to the branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX. The branch manager XXXX XXXX refused to release the funds to my account at her desecration. I told her my situation and the volatility with my XXXX XXXX XXXX  and how they have been doing national lay offs for the last year and a half and that this has happened to my twice in a year and that is why my account has been a mess. I am living in a XXXX and now I will be XXXX  because this woman has decided she will personally not release these funds to me.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I contacted Kohls card services regrading an account that appeared on my credit reports, I have never had a Kohls charge account. The agent I spoke to could verify that I had an account but would not send me an debt verification information, past statements account application, ect. to my current address. She stated that she could only send the information to the address they had on file. She provided me with the city and I provided her with my address in that city but she said that was not the address they had on file. She said she could send me a verification code to update my address then she said she could not send a code. I verified with her that there was no other way for her to update my address and no way for her to send me verification of the debt. 
I have disputed this debt before with all three agencies and the only response I receive from them is the debt has been verified. Those communications go to my correct address but the information used to verify the debt is never sent.
Product: Checking or savings account

XXXX ORDER IMPOSING CIVIL MONEY PENALTY The XXXX XXXX XXXX XXXX ( FinCEN ) conducted a civil enforcement investigation and determined that grounds exist to impose a Civil Money Penalty against USAA Federal Savings Bank ( USAA FSB or the Bank ) for violations of the XXXX XXXX XXXX XXXX XXXX ) and its implementing regulations. 
XXXX USAA FSB admits to the Statement of Facts and Violations set forth below and consents to the issuance of this XXXX XXXX. 
I. JURISDICTION Overall authority for enforcement and compliance with the XXXX lies with the XXXX of XXXX, and the XXXX may impose civil penalties for violations of the XXXX and its implementing XXXX At all times relevant to this Consent Order, USAA FSB was a bank and a domestic financial institution as defined by the XXXX and its implementing XXXX As such, USAA FSB XXXX XXXX to comply with applicable XXXX regulations. 
STATEMENT OF FACTS The conduct described below took place beginning on or about XX/XX/XXXX, and continuing until on or about XX/XX/XXXX ( the Relevant Time Period ), unless otherwise indicated. 
XXXX XXXX XXXX XXXX The XXXX requires banks to implement and maintain an effective XXXX XXXX XXXX XXXX  ) program in order to guard against XXXX XXXX through financial institutions. 
XXXX Additionally, the XXXX imposes affirmative duties on banks such as USAA FSB, including the duty to identify and report suspicious transactions relevant to a possible violation of law or regulation in suspicious activity reports ( XXXX ) filed with XXXX The reporting and transparency that financial institutions provide through these reports is essential financial intelligence that XXXX, law enforcement, and others use to safeguard the XXXX XXXX system and combat serious threats, including money laundering, XXXX financing, organized crime, corruption, XXXX trafficking, and massive XXXX schemes targeting the XXXX XXXX, businesses, and individualsXXXX XXXX XXXX is a bureau within the XXXX XXXX XXXX XXXX XXXX  and is the XXXX XXXX that enforces the XXXX by investigating and imposing civil money penalties on financial institutions
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violat
ing 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

Someone stole my phone and withdraw money from my Chime account XXXX
Product: Credit card or prepaid card

An Alaska XXXX/Bank of America credit card was opened in my name. I received texts from BofA asking if I authorized a purchase but I thought it was a phishing ploy. I received a call from BofA asking me to pay on my account, which was the first awareness that a card was opened with my credentialsSSN, Address, Phone, etc. 
I explained to BofA that the account was not opened by me. They closed the acct and told me to freeze my credit with the three reporting agencies, which I have donenot easily, Ill add. quivax couldnt get my address correct when I had just put it into their system. The confirmation letter of my account freeze came up with another address for me. 

Wha bothers me is the fact that the reporting companies want people to pay a monthly fee for reporting information. It seems like a conflict of interest to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX I am a federally protected consumer, and upon checking my consumer report I see that Equifax is violating me I have never authorize with written permission for XXXX to report XXXX XXXX XXXX, and convergent outsourcing on my consumer reports. pursuant to 15 USC 1681b ( 2 ) this is a violation that XXXX needs to remove these items immediately no consent is identity theft. I am a federally protected consumer, and I am not happy with what is reporting on M y consumer report. I will take legal action if have to, because this organization is violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On or about XX/XX/2018 we received a statement from XXXX/American Express Indicating a fee of {$95.00} for the following year. My wife asked to cancel the card and they said only the primary card holder ( me ) can cancel. She asked how long do we have and they said up to the closing date. I called on XX/XX/XXXX and asked to cancel and they closed it and since I had a credit due I don't have to pay anything. I few weeks latter I received another statement saying I owed approx {$83.00} ( {$95.00} less credit ). I called American Express and the agent told me it takes a few weeks for it to be processed. I called back a few more times with the same response. In early XX/XX/XXXX I called and the agent discussed it with her supervisor and said there is a problem and he resolved it. On XX/XX/XXXX I  received another late notice and called American Express again. After long delay the agent said she spoke to the supervisor and he will call me within 24 hours to finalize the process. XX/XX/XXXX, after not hearing from them I called again. This time she said the supervisor called on XX/XX/XXXX and was transferred to voice mail and could not leave a message. My online records show no calls for that day that were unanswered The agent could not contact the supervisor but said he will soon call me back. I verified the number with her. I have yet to receive a call.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance regarding an issue with my Experian account, which appears to have been compromised, and to address unauthorized entries on my credit report. Recently, I received a letter notifying me that my account with Experian had been hacked. Upon attempting to access my Experian account to investigate further, I discovered that it was linked to another account, and I was unable to log in. Even on a app called XXXX XXXX. To address this issue and review my credit report, I downloaded a different application to access my credit information. It was then that I noticed several items on my report that do not belong to me. These include : XXXX XXXX : {$470.00} XXXX XXXX : {$840.00} XXXX XXXX : {$7300.00}
Product: Credit card or prepaid card

I have a credit card with Suntrust, Account number XXXX. Three payments was pulled from my account on a Suntrust credit card for the XX/XX/2018 payment. They are refusing to return the funds to me. The funds were removed from my account of the XX/XX/XXXX, today is the XX/XX/2018, there is no reason for there to be delay and/or any doubt about whether they have received the funds.