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

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the continued reporting of a charge-off account on my credit file, despite multiple attempts to have it removed. This issue has had a severe impact on my financial stability and overall well-being. 

The charge-off account in question still exist in my credit report. Despite my diligent efforts to address and resolve this matter, it continues to be inaccurately reported on my credit file, causing significant damage to my creditworthiness and financial standing. 

I would like to outline the various steps I have taken to rectify this issue : I have submitted dispute letters to all three major credit bureaus - XXXX, XXXX, and TransUnion. In these letters, I have provided comprehensive details about the charge-off account, including supporting documentation to substantiate my claims of its inaccuracy. 

I have also attempted to resolve this matter directly with the creditor associated with the charge-off account. I have provided all requested information and documentation to demonstrate that the account should no longer be considered a valid charge-off. 

Given the persistent nature of this issue and its detrimental impact on my financial situation, I have sought legal counsel to ensure that my rights as a consumer are protected. 

Despite these extensive efforts and the substantial time and resources invested, I am deeply disappointed to observe that the charge-off account remains on my credit file. This ongoing situation is causing immense harm to my financial stability and overall well-being. 

I urgently request your immediate intervention to investigate and resolve this matter. Specifically, I implore you to : Investigate the inaccuracies related to the charge-off account and determine the appropriate course of action. 

Promptly remove the charge-off account from my credit file and provide me with written confirmation of its removal. 

Review and enhance your internal processes to prevent similar inaccuracies from occurring in the future.

Failure to address this issue with the urgency it warrants may compel me to pursue legal remedies to protect my rights and seek redress for the damages sustained. I believe that immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within exact timeframe from the date of this letter. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Product: Money transfer, virtual currency, or money service

I signed up for help with Optima Advocates 2 and half years ago, XX/XX/2018. I paid them for their services and for two years I have to beg and plead for some kind of update on my case. I get a generic response from some guy named XXXX XXXX. Every other person I spoke to has left the company. The director and underwriter do not answer emails or voicemails. Calling goes straight to voicemail and no response to voicemails or calls returned. It's been two years and my credit is destroyed and I can't get a response. Don't give these people your information. They take advantage of people with student load debt. They try to take out loans in your name without your permission. This company is fraudulent to the core, promises to help but makes you pay UP FRONT. BIG RED FLAG! Do not give them your money!!! I lost {$5000.00} in all this.
Product: Vehicle loan or lease

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.
Product: Checking or savings account

They allowed charges then charge me overdraft fees and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX The latest balance is {$2400.00} ( this data may be delayed ). 
This account was removed from your credit report on XX/XX/2020. This account was removed from all other agency. Please remove.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting

Equifax refused to do a proper investigation regarding XXXX item in my account. Since 2016 I 've been contacting Equafax regarding this matter but the last ignored to conduct a proper investigation to verify the account. In my letter I specifically mentioned the statuary law that would make them investigate but every time they would say we did investigation and the account belongs to you and no details were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having troubles trying to get TransUnion to investigate sevearl things listed on my credit file. I submitted several complaints via mail and recently online. They finally responded to the online dispute but yet there is an account that they indicated they investigated but the results are not complete. There is an aged account that should not be reporting on my credit file with XXXX XXXX and they so no data for the time in question. they show no type of payment history for XX/XX/13, XX/XX/13 & XX/XX/13 all of which were 30 days delinquent therefore addressing the statute of limitations. Their report says no data ... If the lender can not provide that data or TransUnion is unable to report those months in question then this should not be reporting on my credit file. As per the FCRA they need to show accurate information and no data for those 3 months which would show the account is past the statute of limitations is clearly a violation of the FCRA. 

On page one of the attachment it clearly shows under the rating Key X is unknown. Then on page 2 is the start of the XXXX XXXX account and the final page shows X ( Unknown ) for XXXX, XXXX, and XXXX of 2013!
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. This is not my own
Product: Credit card

Unauthorized use /fraud of my credit card for the total amount of {$3700.00}. Transaction dates, as shown on my account statement : XX/XX/XXXX through XX/XX/XXXX. 
All transactions were made out of state ( I live in NY ), and I didn't travel anywhere during that period, and physically had the card with me.

Once I received my monthly account statement, I disputed the charges and the fraud case was open with the company ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received a letter from Macys Fraud Investigation Department stating that I'm responsible for the charges in question.
Product: Debt collection

Repeatedly a debt collector started calling since XX/XX/2019, regarding a debt with XXXX for {$470.00} by a company called I C Systems. A company Ive never heard of have been harassing me to pay a debt.
Product: Vehicle loan or lease

I requested a deferred payment due to the COVID pandemic for the months of XXXX and XXXX. When I requested the deferment in XXXX i was initially told no because previous over payments had been held, and rather then be applied to the principal thus reducing some interest, they waited and applied it as a regular payment when the regular payment became due in XXXX. I requested the deferment BEFORE the payment was due and had asked why the over payment amounts had been held and either not applied to the principal or returned to me. This was never addressed. After several calls I was finally able to secure a deferment for XXXX. I was told I could not request another deferment until the next payment became due. 
In XXXX when I called an requested a deferment I was told no. I was told that the company had decided ( with no notifications made to any one ) that they were no longer allowing deferments due to COVID. I was then told a deferment can only be requested after making 6 consecutive payments. From this point the company calls me multiple times a day using an auto dialer. When I answer the phone the call immediately disconnects without anyone saying anything. I have gotten as many as 4 calls per day of this nature. There is absolutely no reason why I should be treated in this mannor. I made full consecutive payments per the terms of my loan for the first year with no problems. I have attempted to work within the terms of the loan and keep in constant contact with the company. I have made the appropriate requests to keep the loan in good health while making adjustments in my employment due to a worldwide pandemic. The fact they at no time attempted to communicate any programs that were available when they became available so people could take advantage before making a decision to halt the program is ridiculous and deceptive at best. To then add my primary number to an auto dialer as if my account is in default is disgusting behavior. I desperately need assistance in dealing with this institution in maintaining the health of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).
Product: Prepaid card

On XX/XX/XXXX I received a Vanilla Gift Card worth {$20.00} and on XX/XX/XXXX I noticed a purchase that I didnt make worth {$11.00}. So on the XXXX I called to make a complaint about that and they made a case for me regarding that and sent me a confirmation email that they made the case, but that day I had made it they said that since it was a small amount that it would take a day or two compared to other cases. So that next day on XX/XX/XXXX I made a call to VanillaGift Cards this time to ask about the status of the Case because when I go on the website to check the information its not allowing me to go in, so the guy I talked to said that now all of a sudden my case is going to take 90 days or more and Im beyond upset because I really need that money because Im hungry and that was my source to get more food for myself
Product: Credit card

Received a letter today from Synchrony Bank stating that they reviewed my account and decided to lower the credit limit on my Chevron and Texaco Credit Card account to {$1200.00}. My limit was previously {$3000.00} and I 've had this credit card for over 10 years.
Product: Student loan

This is my third notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. Furnishing this information without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. 
Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 
This is also an adverse action to me as a consumer and needs to be remedied immediately. 
By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. I asked that you remove all student loans from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In XX/XX/XXXXXXXX I reviewed my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve these issues, including disputing these accounts with TransUnion, debt collectors, and the original creditors. I sent certified letters disputing the accounts, yet TransUnion has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and has not adequately addressed these disputes.

Key Issues with TransUnion : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : TransUnion is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, TransUnion has failed to conduct a reasonable investigation or remove these accounts. 
2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. TransUnion has not provided this information.

3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires TransUnion to block the reporting of fraudulent information. This obligation has not been fulfilled. 

Accounts in Dispute : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}. 

Debt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification. 

I have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I request your assistance in ensuring TransUnion resolves this matter promptly and adheres to its legal obligations.
Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$9300.00} opened XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, TransUnion, XXXX What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, TransUnion, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card

Over the past couple of month, I have made several purchases of various electronics and other health related items. Discover is/was offering a promotion where they stated that customers would receive a 10 % reward bonus for using their XXXX account when making the purchase with their Discover Card. I was just sent an email today informing me that I would not be receiving this 10 % reward bonus even though it was specifically stated in the terms that it would be awarded. I called their XXXX number and was told that they thought that I purchased gift cards because of the dollar amounts. I did not purchase any gift cards with this promotion. They still refused to award the points and said that I could send them receipts. This seems ridiculous considering that these purchases were from two months ago and some of them have some private information on them, including various medications that my family members are currently on.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting 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 confidential under 15 USC 1681.

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$1000.00} ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$600.00} ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT BALANCE {$1100.00} ACCOUNT NAME XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$14000.00} ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT BALANCE {$600.00} ACCOUNT NAME XXXX XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX Account # XXXX ACCOUNT BALANCE {$770.00} ACCOUNT NAME XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$8400.00} ACCOUNT NAME XXXX XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$1200.00} 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 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
Product: Checking or savings account

XXXX ( XXXX # XXXX  ) in XXXX AZ. Processed a debit transaction of XXXX on XX/XX/XXXX, I did not authorize this transaction, when I became aware of it I called Bank of America and told them I'm disputing the charge. After multiple calls and many days of waiting for the money to be returned to my account ( BOA initially told me 2 days at most ) I sternly requested they return my money while they investigate. Today XX/XX/XXXX Without correspondence they reversed the intial credit. I called them wanting to know why and they said XXXX is not cooperating other than explaining that a pin number was used during the transaction, ( leading them to assume I indeed made the purchase ) XXXX had a case regarding this # XXXX, they will not return my calls and the number I call to speak to them had me on hold for 48 minutes without ever actually connecting to a representative. Bank of America has placated the responsibility on XXXX and They can not be contacted through the numbers listed on their own website. I've never once visited that store location but both vendor and bank say I have and since decided- to steal from me instead of actually investigating the case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with fair credit reporting act XXXX  accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions