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

This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the XXXX credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 an account without my written instructions.
Product: Debt collection

Recently I ordered a copy of my credit report and discovered that a collection agency by the name cost to coast financial is reporting a negative account to my credit report in regards to a XXXX XXXX XXXX   company. This is not my account. I have never done business with this company. I tried to resolve the issue with them but they have refused due to a document with my name and a signature that is not mine. They do not have my Social Security Number or my Drivers License as proof that this debt was obtained by me. Anyone could have used my information and signed for it.
Product: Credit card or prepaid card

XXXX  XXXX XXXX XXXX card I had was discontinued and transferred to American Express whom I do not wish to do business with. I am told I need to cancel an American Express card account which was opened in my name but I do not believe I should have to cancel an account I never requested. 

I asked XXXX for a copy of my cardholder agreement which gives them the right to transfer my XXXX credit card to American Express without my consent and they would not supply it. 

I believe this is a violation of Fair Credit laws and is no different than XXXX XXXX opening accounts which consumers did not request.
Product: Checking or savings account

On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.
Product: Credit card

I received a call from a XXXX XXXX who said he was from Bank of America saying someone from Texas tried to get a credit card using my name address and SS #. I said I never applied for this CC. He said the telephone number used was TEXAS XXXX and that the CASE ID # XXXX, He then forwarded me to a XXXX XXXX from the CONSUMER XXXXNACIAL PROTECTION Bureau who gave me the XXXX ID XXXX out of XXXX FL. When I asked how to verify what he was saying he hung up. 
What do I need to now? 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I signed on to the chase checking account because I saw the {$200.00} bonus that came with opening an account. I had directly clicked " open now '', so that the coupon code would be applied directly. So I opened the account and set up the direct deposit as per the terms of the sign on bonus, however, after it's been over a month and I haven't received the bonus yet ( even though it should be after 10 business days ). I checked with them over email and they said that they could not apply it without a coupon code, however, as I clicked " open now '' directly from the promo page I had not received a code.
Product: Consumer Loan

Dealer Funding repossed my car today, XXXX/XXXX/15 without sending me a notice to cure my debt. I was unaware that they were coming to take my car or that they thought I was behind as they say I am. I have been making payments, the last one made was in XX/XX/XXXX but they claim that I have not paid a payment for four months which is not true and I have proof. When I made my last payment, it reflected my balance and with the payment I made, it brought the balance down under {$1000.00}. I lost my job and without a car I can not obtain a new one. When I called I was told my car was out for repo since XX/XX/XXXX but I had since made a payments that brought my balance down, the last one being in XX/XX/XXXX and i never received a notice to cure. I spoke to XXXX who said they had been looking for me for four months but I never received notice and my partial payments have been accepted ; they have sent me statements but no notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : TransUnion - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/19, I attempted to change my phone number and email address. I get a prompt wanting to sent a text message to a phone number I have not had in years, so it prompts me to call customer service. 

As before, customer service will not let me change the information, just like when I attempted to change my address. I kept getting stonewalled and bounced around from person to person. They wanted to send a text to a number I told them I had changed and then to send a message to a dead email address. 

The whole idea was to update the information and all I get is stonewalled and angry because of their inept staff. 

This is the second time I have had to get the CFPB involved to get these idiots to do anything. Worst customer service and inept employees I have ever encountered in my life!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX RM # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many emails saying that I applied for credit and they refuse to help find who was applying for credit using my information and committing fraud also they said I needed to pay them to give me information. Someone is using their platform to apply for credit with my personal information and my email address and I can not use my email to login as it says it does not exist although when trying to recover password says it does exist. Someone on the inside of Experian has breached personal informaiton and is misusing it. 

They refuse to find out who entered and how they were using my information or to contact those who made inquiries trying to apply for credit. They kept transferring me saying it was another department without regard to a breach in their own systems as XXXX creditor who emails me I called back and said fraud and they said they ggot the request direct from Experian so Experian is the center of all and they refuse to help or rectify things.
Product: Debt collection

A mailing correspondence was sent to my ex wifes relative house at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address. I have never done business with this company United Collection Bureau , Inc. nor have i ever given consent or authorization for this alleged debt collector to have any of my personal/private information. I do not have any knowledge of this alleged debt, I dispute the validity of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness.

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter.

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue.

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities.

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

None of these fit my pending report which is Case number : XXXX. Sued in XXXX County Civil Court. Allegedly by Citibank South Dakota NA now calling themselves Citibank N A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the AJ is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.
Product: Credit reporting

EqufFax.Credit Reporting Agency is now showing a negative delinquent " closed '' account on my credit report and they have reduced my credit score to based on this account which has been closed since XX/XX/XXXX and has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. I have filed a dispute with Equifax XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Product: Credit reporting or other personal consumer reports

Each company either has the wrong address or an amount which I do not recognize
Product: Debt collection

InXX/XX/2018, I entered into a settlement with XXXX XXXX XXXX on behalf of Citibank, N.A for {$10000.00} I agreed to pay {$1000.00} up front and {$250.00} the first month and {$250.00} for the following 11 months. The bill was paid automatically with my debit card. In XX/XX/2018, Citibank took back my account without contacting me. XXXX also did not contact me. No money was taken from my account and I didn't pay attention. Citibank then hired XXXX XXXX to collect a debt and the rest of the debt of {$8000.00}. All parties claim this is not their fault. No one will honor the original settlement even though I paid on time.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've been disputing this debt with this company for over the past year and they keep verifying a debt that they haven't sent me proper proof of.A printout of a bill is not proper validation and until the company can provide proof of debt that I asked for they need to cease all collections and remove negative information from my credit reports.
Product: Checking or savings account

I have an personal account with Commerce Bank and I still have a balance in my account. On Thursday XXXX, XX/XX/XXXX, XXXX time, I tried to log in to the account and found that I couldn't log in. I called the bank XXXX XXXX, and the bank 's staff enquired and said that my account was closed. She said the bank would email me with a reason and call me within 2 business days to see what to do. But on Friday night, I never received an email, and I sent an email to enquire and received no reply. Early Saturday morning, I called the bank 's service number XXXX again to consult, and the new staff said that she was not very clear about the matter, and asked me to contact other department later. I haven't received any reply ever since then.I have contacted three times for this matter, there is no way, please ask for your help.