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

I am writing to contest and to dispute the inaccurate reporting of accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

someone stole my identity on XX/XX/year> a ballance transfer was made from my credit card to another credit card for {$3200.00} and then on XX/XX/year> another ballance transfer was made to another card totaling {$4900.00} as soon as i received my XXXX bill i called my credit to complain i made or authorized no such ballance transfered they did a fraud investigation which i was not part of the only reason they gave me is the phone call came in on my phone number which i believed it was spoofing no one has access to my phone except me i told them on several occasions that i reject and disagee with their decision i hope the FTC commission can help me thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a XXXX report and affidavit also letters with all the items that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX  now!
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted XXXX and Transunion even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, XXXX deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, XXXX adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. Transunion supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.
Product: Money transfer, virtual currency, or money service

I have been a victim of identity theft and have several accounts opened in name using my personal information with different usernames and my actual banking account was also hacked and attached to these accounts
Product: Mortgage

Specialized Loan Servicing recently filed for the Bankruptcy courts to lift the automatic stay which will allow them to foreclose on my home. I believe that this stems from me applying for the ( MAA ) Mortgage Assistance Alabama, and Specialize Loan Servicing not wanting me to receive this Covid Relief Assistance to help me become current on my payments. When I call they pretend that they are not knowledgeable of this program, however ; my assigned Underwriter has stated that Specialize Loan Servicing does participates in this program, and she's not sure why they wouldn't want me to be able to get this mortgage relief due to Covid. Although, I got behind a year ago on my payments, I have been making my monthly payments, however ; ( SLS ) has threaten to foreclose on my home. 

I also faxed ( SLS ) a letter on XX/XX/2022 requesting and giving them permission to give my information to the Underwriter, and they are pretending not to know what to do. 
It seems from my investigation that this company has a history of not wanting to help customers. We are in a pandemic and this program was designed to help people who are wanting to get back to some type of normalcy. Specialized Servicing goal is to take people homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, innacurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). 
This account is opened fraudulently and does not belong to me. 

As a consumer I request to know all the steps your agency took to assure this item was 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification -description of reinvestigation procedure. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account listed in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to Express my concerns about a current situation I am experiencing with Experian. I am not satisfied with their quality of service!! Experian hasn't responded. They were sent two letters. The letters were sent via Certified mail to notify Experian that they are reporting inaccurate and negative information on my credit report. The first letter was sent on XX/XX/2020 followed by the second letter on XX/XX/2020. They both states they have been delivered with Signature Confirmation. It has been 60 days. Due to Fair Debt Collection Practices Act, 15 they failed to notify me within the thirty-day period. I expect Experian to delete all negative information that is being inaccurate reported on my Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint to let Experian know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/XXXX Experian received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Experian has caused me, and their continual violation of my rights! Experian also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letters I've sent to Experian to try and rectify the situation, you can clearly see they have been violating my rights for months, and that stops now. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! 

Also filing complaints with Attorney Generals Office, & XXXX. 

We also have the name of the person who signed for it on the day it was delivered. So you can guys will be held liable. 

Tracking # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  and have just had a XXXX  XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

Capital One : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.
Product: Checking or savings account

On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my XXXX XXXX  360 Checking Account from Citibank. This charge was unauthorized. 

The history behind the transaction is that I previously held a Citibank Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with Citibank, I closed out both accounts in XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a Citibank branch, bringing the balance to {$0.00}. I followed up on that transaction by calling Citibank to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, Citibank sent another EFT for {$35.00} to my XXXX   XXXX 360 account. I called Citibank regarding the matter and it took awhile for any representative or managers to locate the transaction, as the account was showing a {$0.00} balance. Eventually, the error was found and I was assured that the charge would be reversed by the end of that week. The end of the week came and went with no reversal, so I called again. After speaking with several representatives who could not follow nor see what I was referring to, I finally spoke with a representative who stated that I would be receiving a paper check in the next 10-14 business days because the system could not reverse the charge due to a {$0.00} balance. She assured me that this would not happen again, although she insisted that she was unable to send me any kind of formal letter or document indicating that account is paid in full and will not be subject to any further charges. Approximately one week later, Citibank reversed the charge and also sent a paper check in the amount of {$35.00}. I did not cash the check. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by Citibank. I contacted Citibank again, however this time they refused to assist. They claimed to not see the transaction anywhere, they were rude, dismissive, I was hung up on once while I was explaining the matter, and ultimately they suggested that I file a dispute with my bank - XXXX XXXX.
Product: Debt collection

The credit collection agency 's attempt to collect a debt from me is completely unjustified and unlawful. I never had any business dealings with them nor did I authorize the sharing of my information. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which protect against unauthorized access to my credit information and prohibit deceptive debt collection practices. Their actions are not only unethical but also in clear violation of these laws, and I intend to file a formal complaint to address this matter.
Product: Credit reporting or other personal consumer reports

This complaint is for XXXX, XXXX and EQUIFAX it has come to my attention that your agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) for accepting and reporting false, poor, inaccurate, and misleading information regarding more than 20 180-day late payment notations reporting subsequently each passing month. Under the FCRA, consumer reporting agencies such as XXXX, EQUIFAX, and XXXX are obligated to uphold maximum accuracy in the reports they furnish. Accepting and disseminating such inaccurate information without raising questions or conducting a thorough investigation is a clear violation of your responsibility to ensure the accuracy and integrity of the reports. Pursuant to 15 USC 1681i ( a ) of the FCRA, I am hereby requesting that your agencies commence a thorough reinvestigation regarding the account with XXXX XXXX within 30 days.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> The Credit bureau 's stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card

I applied for a debt consolidation loan with XXXX XXXX XXXX XXXX which included Synchrony Care Credit card in the amount of {$1600.00}, payment posted on XX/XX/2024 and Synchrony Sam 's Club Plus Member Master Card in the amount of {$2200.00}. The Synchrony Sam 's Club Mastercard payment was never received after every unsuccessful follow up call I made to Sam 's Club Mastercard Services. This went on for over a month. XXXX at XXXX XXXX XXXX XXXX advised me, XXXX XXXX will place a stop payment on the check if it is not cashed after thirty days. I followed up with XXXX and she advised me, XXXX XXXX will go ahead a place a stop payment since she does not see where the check has been cashed. On XX/XX/2024 I spoke with XXXX with Synchrony Sam 's Club Mastercard. XXXX advised me, " Sam 's Club card is closed, {$1500.00} credit balance still under review, payment returned {$2200.00} XX/XX/XXXX due to non-sufficient fund, checks received XX/XX/XXXX and XX/XX/XXXX, call back after XX/XX/2024. '' I spoke with XXXX XXXX who claim to have checked another source for card reopen requirements. Supervisor XXXX stated, I must send a letter to Synchrony Sam 's Club Mastercard from XXXX XXXX XXXX XXXX advising, they placed a stop payment on the check due to the check not being cashed for longer than thirty days and my card will be reopened. XXXX XXXX submitted the letter to me and I forwarded it to Synchrony as I was advised to per XXXX XXXX. Synchrony is now asking that I re-qualify for the card, " Federal law requires us to determine your ability to make the minimum payment on your account ... '' On XX/XX/2024, Supervisor XXXX advised me XXXX did not provide me will all the facts to re-open the card and, " Update annual income, '' is required at this time, referencing the letter sent to me, dated XX/XX/2024 from Synchrony. Per my request, XXXX advised me, he will have XXXX contact me at XXXX. I advised XXXX, I will be filing this complaint, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfamiliar address is going to my account and someone used my SSN and my full name. Open several utilities account opened and opening XXXX, TX. I never lived.
Product: Debt collection

The firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) has stated that " This office does accept service by email or fax. '' However, in the state of NY, we have the following language, which was included on the summons and complaint " An attorney representing a party who is served with this notice must either : 1 ) Immediately record his or her representation within the e-filed matter on the NYSCEF site www.nycourts.gov/efile ; " The documents in my law suit were electronically filed. 

I have asked XXXX XXXX of MJRF why MJRF thinks they have the right to not engage with email. 

I have not received a response. 

It seems to me this is an effort by MJRF to erect artificial hurdles to communication. There is no reason I should not be able to talk to them via email, and they are introducing artificial delays by trying to avoid using email. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$1900.00} U S DEPT OF ED/XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. This is regarding CFPB complaint XXXX that was sent to Experian on XX/XX/XXXX in which there was never a response sent to me- the complaint is still open. Experian was informed that the XXXX accounts with the DEPT OF EDUCATIONXXXXXXXX  that are reporting late payments in XX/XX/XXXX is not correct. I was never late on this account. Experian and the creditor have not sent any proof of the account ever being late such as the bank transactions. I have sent proof of my bank transactions showing that my payments were on time, yet the late payments are still reporting. XXXX and XXXX have since deleted the XXXX accounts and I am requesting that Experian follow suit. Please take notice that this complaint is a notice of pending litigation due to FCRA violations and gross misconduct. I will attach the dispute letter, which is dated, and time stamped along with my credit report showing the accounts that are to be removed. Lastly, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove the following accounts from my credit report immediately : DEPT OF EDUCATIONXXXX XXXX {$4000.00}, DEPT OF EDUCATION/XXXX  XXXX {$2400.00}, DEPT OF EDUCATIONXXXX XXXX {$460.00} XXXX DEPT OF XXXX XXXX {$700.00} XXXX DEPT OF EDUCATIONXXXX XXXX {$1900.00}.
Product: Credit card or prepaid card

My previous employer issued a paycard so I could collect my wages. I used the card to remove all funds from the card onXX/XX/XXXX, and no additional funds have been added to the card. 

I received a letter ( attached ) from Money Network onXX/XX/XXXX, stating my account has been upgraded, and a Monthly Maintenance Fee may be applied. 

I called Customer Service to close the account, but have not been able to speak with a representative. 

Can you please help me close this unused account and avoid any potential fees? 

Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts 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