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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXXXX with a balance of {$800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Specialzed Loan Servicing ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and XXXX is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with XXXX and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.
Product: Debt collection

Prior to moving out of our apartment where my wife and I had lived for 3+ years, our landlord tried to get us to sign a document agreeing to pay for {$200.00} in cleaning fees outside of the lease. We had the place professionally cleaned before move out and left the apartment in good condition, so we declined paying for additional cleaning. 

A month after we moved out, the property manager sent us a bill with multiple incorrect or unauthorized charges, including double charges for utility bills that we had already paid, a handwritten bill for carpet replacement throughout the apartment, and a {$200.00} cleaning fee. According to Department of Housing and Urban Development guidelines, landlords are responsible for normal wear and tear and can not charge tenants for charges not authorized by the lease. 

We asked them for justification for the charges and an itemized accounting multiple times, but they never provided that information. Instead, they sent the full bill to collections and we started receiving calls and letters from the collection agency. We asked the collection agency via certified mail to provide justification for the bill and an itemized accounting, but never received a reply. The credit report has had a significant impact on our credit scores and is affecting our ability to receive new credit.
Product: Checking or savings account

I would have money to be released, however, they would allow pending charges to be released prior resulting in constant overdraft fees. 
Been a member for over 10years
Product: Debt collection

CACi has continued to contact me regarding a debt that they have refused to validate. I submitted a debt validation letter to CACi via USPS certified signature return mail which CACi signed for on XX/XX/2021. After ( 30 ) days from their receipt of the letter, CACi still had not responded to me nor provided me with the debt validation that I requested. After XX/XX/2021 I was still receiving phone calls from CACi, so I filed a complaint with CFPD. Shortly after the phone calls stopped. 

On XX/XX/2021, at XXXX XXXX EST I began receiving test messages from CACi from XXXX ( XXXX ) XXXX asking me to click suspicious links and to respond to the text message. CACi failed to respond to my validation request and therefore needs to stop contacting me immediately, otherwise I will seek legal counsel. 

NO PII is being included in this complaint VIA CFPB 's instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX XXXX has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Redispute of XXXX XXXX XXXX XXXX Account Information account Number : XXXX Dear TransUnion Disputes Department, I am writing to formally redispute the information related to my XXXX XXXX XXXX account that you recently verified as accurate. The information in question was disputed under the Fair Credit Reporting Act ( FCRA ), but the results of your investigation failed to adequately address the errors in my credit file. I have reason to believe that the investigation was not conducted properly, and I request a more thorough review in light of this. 

In particular, I would like to highlight the case law of XXXXXXXX XXXX XXXX ( XXXX ), in which the court emphasized that consumer reporting agencies have a legal obligation to conduct a reasonable investigation of disputed information. The court ruled that simply relying on information from a creditor without proper verification is insufficient and does not meet the standards of the FCRA. In this case, TransUnion must ensure that its investigations are thorough, including taking steps to confirm the accuracy of the information provided by the creditor.

Upon reviewing my account and the results of your recent investigation, I believe that the verification process failed to meet these requirements. The reported information is not accurate, and the details associated with the XXXX  XXXX XXXX account do not align with my records.

To assist in resolving this matter, I have attached relevant documentation that supports my position, I request that TransUnion take the following actions : Perform a more comprehensive investigation to verify the accuracy of the disputed XXXX XXXX XXXXXXXX account.

Ensure that all necessary documents and communications with the creditor are reviewed thoroughly.

Correct the inaccuracies on my credit report if the information is found to be incorrect.

I trust that TransUnion will adhere to the standards set forth in the XXXXXXXX XXXX XXXX case and conduct a full, accurate, and fair re investigation of my dispute.

failures by transunion on FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681b - Permissible purposes of consumer reports Thank you for your attention to this matter. I look forward to your prompt resolution and the correction of my credit report. Please confirm receipt of this dispute, and let me know the next steps in the process.

Sincerely, XXXX
Product: Bank account or service

On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit inquires I RECEDNTLY RECIEVED NOTICE THAT I WAS A VICTIM OF A DATA BREACH. I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquires that lack proof of permissible purpose, as a mandated by the Fair Credit Reporting Act ( FCRA ). These inquires allegedly originated from the following Original Creditors # Summary of Inquires being challenged in list form DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
Product: Debt collection

I have received an email from Midwest about account from XXXX XXXX XXXX, I have requested a copy of any documentations such as drivers license, loan application to review and confirm documentation. While speaking with XXXX XXXX she have also informed me funds were submitted to XXXX XXXX XXXX XXXX I have informed I never open an account with XXXX XXXX XXXX XXXX I have made contact with XXXX XXXX XXXX XXXX XX/XX/21 the location is more than an 1 hr away from my home. I have also requested documentation from XXXX XXXX XXXX for the acct number so that I can bring to the attention at the credit union.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a fraud alert request online with Experian on XXXX/XXXX/XXXX. They ( their website ) said I could n't do that, but that I could mail my documents in or go to their upload page. I am the victim of identity theft and am wary of sending all of my important info through the mail, so I opted to do the upload. 

On the upload page ( XXXX/XXXX/XXXX ), I tried 5 times to submit documents that complied with their format requirements ( PDF or TIF ). Not sure why the PDFs did n't work. I submitted TIFs, and was told that they need to be in XXXX and white. I submitted TIFs in XXXX and white, and they continue to tell me that they are not in the correct format. 

There is no way to talk to a human being if you call Experian, and there is no email or chat assistance. This is incredibly frustrating for someone who is in the very stressful situation of having to deal with identity theft.
Product: Checking or savings account

Turned off auto pay with various vendors but continued to be assessed overdraft fees to the point that the account was closed. Some items with low dollar amounts were declined for payment but other items with substantial amounts were covered and assessed the overdraft charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to the XXXX XXXX account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on Equifax, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on Equifax, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from XXXX XXXX for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued XXXX XXXX for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.
Product: Debt collection

This account was opened originally in 2014 with an ex wife who used my sole information. The company prior to Mariner finance buying them out was Pioneer Credit. This account has haunted my credit for well over the 7 year mark with countless threats about legal action and or jail time. I was never aware of the loan in hand and have attempted to settle this multiple times. Please delete from my credit report, XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHATS NEW ... .I just talked to XXXX XXXX about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my Experian Credit Report. I talked to XXXX they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how XXXX XXXX   ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots
Product: Debt collection

I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. 
XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. 
XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. 
Collection agency seemingly don't or won't. Which confuses me more. 
XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. 
XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
XXXX ) someone is not telling the truth or being on the level, and it isn't me.
Product: Credit card or prepaid card

Over 51 % of consumers responding are complaining about the misleading and difficult practices being used by Synchrony Bank in their attempts to obtain a Secured Amazon credit card. the following link has some of their comments. When is the CFPB going to investigate? - https : XXXX? XXXX & XXXX & XXXX & XXXX # reviews-filter-bar Sending letters to the company is not going to resolve the issue. Having the banking committee investigate their practices might. Are they making offers that possible? Are they not fairly offering credit or discriminating based protected classes? Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : FXXXX XXXX XXXX  This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.
Product: Debt collection

XXXX XXXX closed my account on XX/XX/XXXX. My last payment to XXXX XXXX on that debt was XX/XX/XXXX. My credit report shows that 100 % of my payments made to that card were on time. This is the only instance of XXXX XXXX showing on my credit report with a closed account. 

Portfolio Recovery Associates , LLC opened an account citing XXXX XXXX XXXX XXXX  XXXX XXXX. As the original creditor on XX/XX/XXXX with a debt owed of {$1100.00}. I disputed this debt through a third party ( XXXX XXXX ) and requested validation of the debt. No additional contact was made and my report now just shows dispute resolution : customer disagrees. 

A ) I have no history reporting of a XXXX  XXXX closed account for this amount, nor do I recall incurring that debt. 

B ) The age of the only reporting XXXX XXXX closed account ( which does say 100 % of payments made on time ) is in excess of 7 years and should not be adversely impacting my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. $ XXXX, which mandates a reasonable investigationof disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXXXXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding. 
( XXXX XXXX. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.