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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I made a payment on the Citi 's credit card payment page from my personal bank account. I copied and pasted the numbers on my computer so there is no way that the numbers were mistyped or off in any way. However, the payment failed to go through even though there were more than sufficient funds to cover the charge. When I tried calling Citi, I wasted an hour of my life on hold only for the call system to hang up on me. I then went to the chat box where the return check fee was reversed but the very kind representative informed me that they were not able to reverse the interest. Even though the interest was only charged due to Citi 's inability to collect a payment from the account that I provided, that I copied / pasted the numbers from and had more than sufficient funds to cover the transaction. This is just the latest in a string of failures from Citi bank. Of course, my time has no value to Citi Bank so they do not care about their failures that have cost me significant amounts of my time. I am looking at a start up XXXXXXXX XXXX  as they tend to actually care about their customers.
Product: Debt collection

I have an account by the name of Account Control Technology that has been on my report for months now. This is not my account and i need it taken off. the amount is {$1200.00}. I have disputed this but it has been kept on my account.
Product: Credit reporting or other personal consumer reports

This company didnt have no authorization run my credit never did any business with them. I need this information remove off my XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a total balance of {$300.00}, as of XX/XX/XXXX from my XXXX credit card account. I had previously reported my XXXX card lost/stolen to XXXXXXXX XXXX and requested the card be closed. XXXXXXXX XXXX failed to close the account and the card was used fraudulently. I contacted XXXX again and disputed the charges. XXXX closed the account at that time, but left the charges owing. The account was then purchased by XXXX XXXX XXXX XXXX. I called XXXXXXXX XXXX  to get this resolved, but they were not able to do anything. I advised XXXX XXXX XXXX XXXX and filed two disputes forms with them to get this resolved. Unfortunately, they have failed to resolve this matter. I do not know the exact date the XXXX card was lost/stolen or the date I first reported it to XXXXXXXX XXXX. The last time I made a purchase on the card was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pa XX/XX/XXXX XXXX Collection Agency Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Checking or savings account

A fraudulent {$9300.00} dollar purchase was made by a merchant named XXXX XXXX in XXXX XXXX  IL on the date of XX/XX/2023. I filled a claim through my navy federal account stating that my debt card had been lost and was not in my possession during the transaction period I had no knowledge nor notification about the purchase. With a purchase that large there should have been some type of verification from the purchase such as i.d . or pin number requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.
Product: Credit reporting or other personal consumer reports

my consumer report must be accurate and verified. By law, any credit reporting agency must provide proof of any negative reporting of inaccurate information on a consumer report. I mailed a letter to Experian on XX/XX/XXXX, requesting proof that the late payment on this account was accurate XXXX XXXX XXXX Account XXXX late payment XX/XX/XXXX. I received an online response that the account was updated but the 30 late payments remain. Where is the proof!!! The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information
Product: Credit reporting or other personal consumer reports

The presence of these accounts on my credit report has significantly affected my financial standing. I've encountered challenges in securing loans, obtaining credit cards, and even renting properties due to the negative impact on my credit score. The situation has also caused me undue stress and XXXX, affecting my overall financial well-being.
Product: Credit card or prepaid card

Synchrony bank has charged my account erroneous late fees although my payment was submitted. They have also changed my monthly payment due to {$69.00} when the agreed minimum payment per month s contracted with through XXXX was {$40.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to Experian regarding these two fraudulent inquiries Listed below. 

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

1. XXXX ( XXXX XXXX XXXX XXXX 2. XXXX ( XXXX XXXX XXXX XXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report and notice unfamiliar things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX THESE HARD INQUIRIES WERE PUT ON MY TRANSUNION REPORT WITHOUT MY CONSENT ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Product: Debt collection

Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX  Account # XXXX 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. 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records on convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. These inaccuracies are stopping me from obtaining credit for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a new customer with XXXX XXXX. I was a customer of XXXX XXXX XXXX XXXX for many years but XXXXXXXX XXXX has bought XXXX and my accounts are now managed by XXXX XXXX. On the afternoon of XX/XX/XXXX, XXXX I telephoned the XXXX XXXX customer service department for the first time. I was unsure about a transaction in the online banking portal I had logged into for the first time. After waiting for a time in the XXXXXXXX XXXX automated system, I connected with a " banker '' who identified with the name " XXXX ''. I explained I was a new customer from XXXX and had a questionable charge in my checking account. XXXX asked me for my social security number, I gave it and then the phone call disconnected. 

On XXXX  I received an alert from XXXX XXXX works that two inquiries were made on my credit report. One on XXXX from XXXX of XXXXXXXX Ohio, and another on XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California. 

I contacted the XXXX XXXX customer service and discovered an application for credit was made with my name and social security number, but a different address. This was not me, I was told the transaction was flagged and forwarded to the fraud department and the inquiry of my credit report would be removed. I then contacted XXXX and learned that a credit card had been approved and opened with my name, Social Security Number, Address, and Birthdate. I was told the account would be frozen, flagged and sent to the fraud department, and I would need to complete paperwork, and provide documentation for the inquiry to be removed from my credit report. 

I froze all three of my credit reports. I am usually cautious with my personal data and realize my error in disclosing information to XXXXXXXX XXXX, which I strongly believe is what lead to this case of identity theft. I plan to dispute the inquiries into my credit report and discontinue banking with XXXX XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Debt collection

I want the collection agency to prove to me I owe them this money
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Trans Union responded to the complaints that I submitted in XX/XX/year> via the Consumer Protection Financial Bureau. Please reference case numbers XXXX and XXXX for evidence. In their response, Trans Union stated that a XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX were deleted and no longer reported in my credit report. As of XX/XX/year> the trade lines are still reported in my report fraudulently and I AM demanding that theyre removed. On the other hand, XXXX has not complied with credit reporting and consumer law by reviewing the evidence Ive provided and deleting both trade lines from my credit report based on the improper and fraudulent use of my credit report. Reporting the trade lines are a violation of the FCRA. Under section 1681s-2B of FCRA 15 USC 1681 et seq, the credit reporting agencies and the companies that provide those agencies information must adhere to law that disputed information that is not verified has to cease and be removed. I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself, XXXX XXXX and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Credit reporting

I contacted TransUnion regarding fraudulent inquiries listed on my credit profile. I spoke with Supervisor XXXX in the US Special Handling Department regarding the fraudulent inquires and she confirmed my police report and ID Theft Affidavit was on file ... she also confirmed I previously had a fraud alert on file but, I needed to lift the alert due to applying for a home loan. In review of my credit profile my Broker notified me of the excessive amount of inquires and I notified TransUnion they are fraudulent. I would like to have the XXXX fraudulent inquiries removed from my credit profile. 
Please remove the following inquires : XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 Thank you for your assistance.
Product: Checking or savings account

This is a follow up in regards to a previous case closed by CFPB. Case # XXXX. 

US Bank acknowledged they have record of one of the transfers out of the three I made but they still want me to recall all of the transfers. I contacted the originate bank XXXX XXXX and I am attaching their reply. The transfers were originated by US Bank and XXXX is unable to initiate the recall. I called US Bank last week and I was told to go to one of their local branch to verify some information. The closest branch that is closer to where I live is more than three hundred miles away in XXXX and I am living in XXXX. I open the account with them online and I want to know why I have to go their branch in Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XX/XX/2020 XXXX Wells Fargo Preferred agreed account was fraudulently opened and agreed to to delete account on XX/XX/2020 As of XX/XX/2020 with a balance of XXXX which isnt my responsibility since it was fraud is affecting my credit. I have notified all 3 credit bureaus and they continue to report this account as accurate and as my responsibility which is invalid and incorrect. This account was deemed as fraudulent. It must be removed immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

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

On XX/XX/XXXX a hard inquiry occurred on my credit report by CBNA that I didn't authorize.
Product: Credit card

I was fraudulently enrolled in debt protection on my  Citibank Best  Buy Credit  XXXX . I cancelled the enrolled service over the phone on  XXXX , but my request for refund was denied. I understand Citi was forced to pay back $  XXXX  in fees as well as assessed $  XXXX  in fines for these exact activities. The  XXXX   XXXX   XXXX  customer service line gave me an address to send my refund appeal :  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas  XXXX . I 'm sick of the run around and want Best Buy and Citi to make this right.
Product: Vehicle loan or lease

Per the FCRA as a federal protected consumer I am now opting out of any and all authorizations, I the consumer, may have given you written/unwritten, verbal/non-verbal, per 15-USC 6802.