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

I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.
Product: Credit card or prepaid card

XX/XX/XXXX, my credit limit was {$7500.00} in which payment to account was paid on time and regularly paying off balance monthly. 
XXXX XXXX and XX/XX/XXXX, credit limit and cash advance limit was {$7500.00} same routine on payments consisted with no change along with same associated credit cards with Synchrony with no changes. Approximately on and around XX/XX/XXXX I requested increase since my payment history and Citi bank representative stated it appears you would qualify due to it being over 6 months and you are in great standing. I proceeded and awaited response. At end of XX/XX/XXXX, I noticed I submitted verbally a dispute regarding a service paid for totaling near and around {$1400.00} but called back next morning since it was XXXX and they stated they couldnt close the dispute since the office wouldnt be open until Monday. I told them to ensure this was a valid charge and I thought it was a different credit card. The customer representative stated it wouldnt be a problem we have noted it and closed it and the charge is and will appear on your charges. He stated to just call back Monday to verify it is complete. That said, I called back and they said it wasnt closed but will do so. After these incidences I received notification that my credit limit I requested to be increased was decreased to {$3800.00} when it occurred I paid extra to ensure I didnt exceed utilization rate and then I contacted Citi customer support and the representative stated this is definitely not good because you are and were in great status and I will submit an appeal for you. I submitted the appeal and waited for reply. The response from Citi was contradictory first statement stated I had derogatory delinquent payments and late payments when in fact it was false. So I reached out again to customer support to ensure this was corrected and the second response was Citi will not change the limit and its not due to your credit report. Understandably realizing I did not intentionally file a dispute but the Citi group proceeded as I did when it was not warranted. I continually paid and reached out and then the Citi bank access to previous notices related to this credit card ( which was replaced ), which identified false information and dispute information was applied to my credit file which caused not once but three times from XXXX up until XXXX the credit limit to reduce from {$7500.00}, {$3800.00}, {$2500.00} then now {$2000.00}. Incidentally unjustifiably reporting my utilization rate higher than actual and real credit limit to be proved incorrect due to delay of actual credit limit behind by 30 days from date providing to credit reporting bureaus.
Product: Consumer Loan

Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then XXXX mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the 3rd of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX. My rental mgr XXXXXXXX knows I pay every month on time but says his hands are tied because you cant get in contact with anyone XXXX office number is XXXX XXXX XXXX. XXXX is manager
Product: Credit reporting, credit repair services, or other personal consumer reports

Extended Complaint regarding case # XXXX. 

The FDCPA has already defined what communication means via 15 usc 1692a ( XXXX ) The medium that LVNV funding LLC has chose to use is my consumer report for an alleged debt I do not owe. 

Secondly another violation LVNV funding LLC has furnished very deceptive forms making it seem like a creditor and LVNV funding LLC is attempting to collect a debt. which is a violation of the FDCPA 15 usc 1692j according to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This has cause distress in my life and is harassment regarding a debt I do not owe this has cause the undermining of my credit worthiness and as prevented me from acquiring a mortgage and has put me into a deep harmful XXXX. The ways these debt collectors prey on consumers has to be stopped this is not fair and that is why congress put into place the FDCPA and STILL companies dont follow the law. I really hope congress finds a way to stop the abusive practices from debt collectors that try anyway they can to take from consumers as a profession. During the congressional findings congress found this to be true and accurate. That there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Product: Mortgage

Planet Home Lending did not offer loss mitigation services or notified my possibilities before the 45 days before the sale. I received the notification by regular mail 39 days before the sale. There was not enough time to complete the loss mitigation application. I received this application because I called them on XX/XX/2022. They never contact me prior my call to request help with my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to TransUnion regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XXXX has gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days mean these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised
Product: Debt collection

I just saw this collection on my credit and I don't know what it is. I don't know who they are or what company it represents. I don't know what account this is but I haven't had new accounts for some time. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a credit card that does not belong to me and i have tried contacting all three agencies and its and its still on it.
Product: Money transfer, virtual currency, or money service

I sent money through western union and an hour later I received a call from western union asking me that they want to interview me and ask me few questions. And if i don't comply they will cancel my account and I won't be able to send or receive money through western union. The western union compliance department 's number that wanted to interview me is : XXXX. Another issue that might be related is that when I called the consumer financial protection bureau at XXXX, someone in XXXX answered???? What is going on? The CFPB has been hacked too.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to express my concerns regarding my ongoing attempts to dispute inaccurate information on my credit report with Experian. I have disputed one particular report four or five times now. The most troubling item is a collections entry for child support that appeared on my account in XXXX, despite my last payment in XXXX, which was on my sons XXXX birthday. Additionally, the incorrect information includes payments that were supposedly made in XXXX and XXXX of XXXX. It is important to note that my son is now XXXX years old. Experian 's disputing and investigation process lacks the effort it needs to help its consumers.
Product: Checking or savings account

I have a XXXX XXXX  and Bank of America checking and Business account. I have went in person and on line to report stolen Identity and fraud on my account and bank manager at XXXX XXXX did not start the report. I did report to FDIC. Bank of America rep keeps hanging up. So I can not make the reports. I explain my mail was being taken as well as a black mail letter I received.
Product: Credit card or prepaid card

I submitted an application for the XXXX XXXX to Wells Fargo on XX/XX/2023. Wells Fargo then proceeded to deny my application despite my credit score being XXXX. I sent in a request for reevaluation on XX/XX/2023, in which they sent me a physical letter detailing that they could not verify my identity and that I had until XX/XX/2023 to send them the corresponding documents for verification. I submitted proof of my identity ( passport, rental agreement, and renter 's insurance ) to Wells Fargo on XX/XX/2023, who promptly denied my application on XX/XX/2023. I called Wells Fargo on XX/XX/2023 to understand why my application was denied. The Wells Fargo representative stated that my application was rejected because the application had expired on XX/XX/2023. However, the physical letter that was sent to me after my request for reevaluation stated that my application would be open till XX/XX/2023. Despite multiple calls, Wells Fargo was not willing to reopen my credit card application and I was told to start a new application and reapply for the credit card. After this whole process, I have two hard inquiries on my credit report and no credit card to show.
Product: Credit card or prepaid card

I have 2 accounts that were closed by the company Citibank Retail. Sears Master Card account number XXXX and Home Depot account number XXXX. I had an excellent payment history with the companies. I was XXXX XXXX XXXX XXXX and was going through the mail and received letters indicating that my account payments had been reversed and that the cards were closed. I was baffled as I had not made payments to the account that were reversed. The account had 2 or 3 payments, that were made from account that I am not aware of and never had any association with. They ( Sears Mastercard ) charged me numerous fees associated with the unauthorized bogus payments and there was a charge for {$1400.00} on XX/XX/01. I was still held liable for this charge though it was a fraudulent charge. According to Sears policy, I am not supposed to be held liable for fraudulent charges but yet I was. I was baffled. I unfortunately had been continuously in and out of the XXXX  with XXXX XXXX and I still am going through this as I just was XXXX a week or so ago. Even though it's a pandemic, I have been in the XXXX   numerous times, which is extremely scary, as well as in and out of XXXX  with my mother as I was her only caregiver which unfortunately she passed. I explained this to the company and asked them to look at my payment history and the account in which I pay them from they would see that I have never submitted a bogus payment nor have I made a payment from the account that made these payments that they reversed. The customer care would not assist me and I was forced to make a payment plan of {$130.00} because I did not have the amount that they were requesting because of this situation. Also, I was still trying to demonstrate that I am upstanding and wanted to make the account right. I also was told that they closed my Home Depot credit card because it was under the same company ( Citibank ). They did not care that I had a flawless payment history with Home Depot. i explained to a loved one what transpired and they suggested to make a complaint since I was being held for accountable when I shouldn't have been.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Unauthorized credit card opened in my name from Citizens Bank. Which is hurting my credit score an negative credit report
Product: Credit card

On XX/XX/XXXX I paid for a conference fee named " XXXX XXXX XXXX  ''. This conference was supposed to take place XXXX of XXXX. It came to the attention of my community around XXXX of XXXX that the person who was running the conference actually had taken all of the money from those of us who paid in advance and gambled it. I attempted to contact the organizer of this event to ask for a refund but he did not respond. Additionally, his phone number has been disconnected and his website has been shut down. 

As soon as I was able to I contacted Barclays ( end of XXXX, early XXXX ) to ask them what to do, I did. I was advised to send all proof that I had of this fraud and to mail to them along with a letter explaining the situation. I did this, and received a response on XX/XX/XXXX stating " unfortunately, we were unable to obtain credit on your behalf because we can only intervene after the specified delivery date has passed. '' I was advised by agent XXXX on XX/XX/XXXX that it would be ok to wait until XXXX and to write again once the event should have happened, but didn't. 

So, I did. I wrote Barclays again on XX/XX/XXXX explaining the situation and received a response from them on XX/XX/XXXX stating that there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' and that " we are outside of the permitted timeframes to continue this claim through the dispute process. '' I have provided them with as much proof as possible - and upon speaking with agent XXXX ( ID XXXX ) on XX/XX/XXXX even he was able to verify that there was no way to contact XXXX, the merchant. Additionally, I followed their instruction to wait until after the event has passed and now that I have they are telling me that I waited too long. This is incredibly frustrating. Additionally frustrating is that while XXXX was able to verify that there was no way to contact XXXX XXXX XXXX tried to reach out to him and was the one who told me that his line was disconnected ), his advice was still to take this up with the merchant. I am not sure how they can tell me in the same sentence that they are not successful in reaching the merchant and yet expect me to reach him to get a refund.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account ( s ) ; in this case, this is in response to their correspondence regarding XXXX XXXX number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable re-investigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.
Product: Debt collection

I was diagnosed with XXXX XXXX right before the Governor of Oregon State shut us completely down in 2020. After the removal of a XXXX XXXX XXXXXXXX and a XXXX XXXX I phoned all Creditors that I felt I didnt need and canceled their services as I was out of work from the shut down and facing huge Medical bills. I asked on several occasions to XXXX where to ship my equipment ( it is still in a box in my trunk ), they refused to give me an address and told me I only put off the servicefor a couple of months. They started back up without me knowing and not once sent me a bill. So, they said I owed for several months. How is that possible when they never even sent me a bill? I pay my bills. I have 100 % paid ON TIME in my Credit History. I feel this I a total scam. I do not owe them ANYTHING. I will gladly return the equipment tomorrow if given an address. Thank you for listening. You are more than welcome to check my Credit. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is XXXX.
Product: Checking or savings account

I closed my account from Truist in XX/XX/year> in person at the branch near me because they were unable to offer a car loan and I did not want to do business with them. I withdrew all of the money and signed the forms with the branch manager. We destroyed my debit card at that time and I thought that the account was properly closed. In XXXXXXXX XXXX XXXX, I started to receive automated phone calls and then a letter stating that my account was still active. The letter read that my account was now overdrawn and being closed with a {$30.00} charge off fee by Truist. There is no possible way for the account to be overdrawn because I destroyed the debit card at the bank with the bank manager when I closed the account. I called the number listed on the action letter for resolution and was told that the XXXX Department does not communicate with the branches. I explained that I closed the account in person and had not made any purchases in 3 months and the representative, XXXX, was unwilling to review the account usage or find any further information to help resolve the issue. I asked for her contact number that is assigned to all debt collectors and she would not give it to me. I asked to speak with a supervisor and she stated that it takes 24-48 hours for one to call me back. I told her that I did not want a bank closure and charge off on my credit report. I also asked for the accounting of the remaining {$23.00} they were also trying to charge me with. XXXX refused to give the information. All the while I was on the phone with her, I kept telling her that I could hear the other call center workers discussing the personal information of other customers. As of now, Truist refuses to remove the charge off and is illegally trying to recapture monies from me and report undue negative ratings to my credit report for an account that was in excellent standing and closed in person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions