23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or Credit reporting, credit repair services, or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card

I have always paid this account on time and have never let any payments become overdue. I don't understand why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, such billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; ( COLLECTION XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX Name : XXXX XXXX XXXX The XXXX XXXX XXXX, TX XXXX United States XXXX XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement.

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible.

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks.

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.
Product: Student loan

Re : XXXX & XXXX - I am still owed {$50.00} due to an overpayment to my loan. Questions from my previous complaint were not answered. All items must be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX, XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX # XXXX ; ACCOUNT 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 furnish a account without my written instructions 15 U.S.C 1681c. ( 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 of convictions of crimes which antedates the report by more than XXXX 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 inaccurate.
Product: Money transfer, virtual currency, or money service

i want monetary remedy from credit karma monetary damage
Product: Bank account or service

Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.
Product: Checking or savings account

An account at PenFed Credit Union was opened in my name. I learned of this by letter from PenFed dated XX/XX/2022.
Product: Checking or savings account

I called KeyBank to get overdraft fees resolved after not overdrafting for almost a year next month and was refused I have a great relationship with the bank I get direct deposits every two weeks and I spoke to a person named XXXX that refused and I got a reference number XXXX and her employee ID is XXXX I was hoping that we could resolve this issue I was only asking for 50 % of the overdraft fees to be recovered due to personal hardships and bills I overdrafted and asked for help and was refused even after saying that I would make a complaint no resolution was made.
Product: Debt collection

Dear Oxygen XL, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2024 and identified the debt as reference # XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Product: Checking or savings account

I had a charge through XXXX XXXX for {$300.00} because my debit card was linked to XXXX XXXX somebody got into my account on XXXX XXXX & charged me {$300.00} so I had the account closed & my new debit card sent out & chase refunded me the money on XX/XX/2023 on the XX/XX/2023 they retook the {$300.00} out of my account that they refunded me saying that the charge was authorized which I explained to them again that my debit card was linked to my XXXX XXXX & somebody got into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with TransUnion to explain why my credit score is XXXX. But with XXXX  I have a score of XXXX and XXXX  also has a score above XXXX. I have tried disputing errors with all three credit reporting entities but TransUnion has only became worse. This is before the COVID-19 outbreak and now is I can not even dispute the current score because the company contact information is not answering phone calls and their website is not taking chat by home personnel. I could a difference of 25 points but this is a difference of 134 points. Any help or information that could lead to a point of contact would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been negligent in removing thirteen ( 13 ) credit accounts that are all appearing as paid closed accounts, the date reported is more than ten 10 years from the Date Reported on all of these accounts. Note that Equifax is the only credit reporting repository that is still reporting these old stale dated accounts. 
1. ) XX/XX/GATEWAY- Closed XX/XX/XXXX XXXX. ) XX/XX/LENSCRAFTERS- Closed XX/XX/XXXX XXXX. ) XX/XX/WALMART- Closed XX/XX/XXXX XXXX. ) XX/XX/GAP- Closed XX/XX/XXXX XXXX. ) XX/XX/QVC- Closed XX/XX/XXXX XXXX. ) XX/XX/CARECREDIT- Closed XX/XX/XXXX 7. ) XX/XX/XXXXXX/XX/CARECREDIT- Closed XX/XX/XXXX XXXX. ) XX/XX/ULTRA- Closed XX/XX/XXXX 9. ) XX/XX/XXXXXX/XX/THOMASVILLXX/XX/XXXX Closed XX/XX/XXXX 10. ) XX/XX/PEACHDIRECT- Closed XX/XX/XXXX 11. ) XXXX XXXX Closed XX/XX/XXXX 12. ) XX/XX/IKEA- Closed XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX- XX/XX/XXXX
Product: Debt collection

I keep receiving calls from various XXXX area codes numbers asking me to call Real Time Resolutions at XXXX, a debt collector. Since I do not have any accounts or bills that are delinquent, no debt collector should be calling me. I have asked them to remove my number and to stop calling me but they will not.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX  # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my redit report. Despite my submissions, XXXX 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also I am disputing these accounts XXXX XXXXXXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Product: Credit reporting or other personal consumer reports

Personal Information Inaccurate Incorrect or just wrong like names, addresses, phone numbers, employment. Hard Inquiries I did not give permission to check my credit report etc. 
I have also mailed CFPB a copy of my letters to the 3 credit bureaus to make sure all Items are deleted and removed.
Product: Credit reporting or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not Received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact XXXX XXXX XXXX by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

None of the above options really relate to my issue but here 's the issue I 'm having. I paid off a judgement about 6 months ago and satisfaction of judgement has not been recorded. I have repeatedly tried to contact Resurgent but can not get any response or copy of release.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already sent out my dispute letters with proof that the credit reports were false and needed to be disputed between XX/XX/XXXX - XXXX. Unfortunately, Equifax is not doing a good job investigating because I specifically sent proof that it was taken off from other credit reports such as XXXX and XXXX. Even XXXX shows that XXXX of them was wiped and deleted from them recently. I don't understand why they can't just do a simple investigation instead of waiving it off like its nothing.
Product: Credit card or prepaid card

Victoria Secret was opened fraudulent. I'm a victim of identity thief Contact Victoria Secret Credit card about this and told them that I did not open this credit card and would like assistance with this. They would give me the run around and would not help me with this. 
Has now they added XXXX same accounts on my Credit Report with different account numbers but open the same day. 
They have not been very helpful to dispute this and have been very aggressive towards me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to Experian, XXXX, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, US DEPT OF EDUCATION, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX, XXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.