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

Consumer : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 

This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( XXXX XXXX ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED CREDIT XXXXXXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/2021 XXXXXXXX XXXX ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address.

These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud.

I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine.

They were opened without my physical signature.

They were opened in a state I do not reside in.

They were opened with an address I do not live at.

Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house.

Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved.

Please comply with my request as failure to do so will result in legal action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been opened under my name : Account name XXXX CARDS/XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$41.00} Credit limit {$9000.00} Highest balance {$1500.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education is reporting 2 accounts that they said were open in XXXX. I didn't open any accounts with the Department of Education on XXXX or went to any school or college in XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.
Product: Debt collection

Abilit

y Recovery Services is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a VALID signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. I've told XXXX, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Product: Mortgage

This is an Amendment to Complaint # XXXX. 

Since CFP will be forwarding documents to Wells Fargo, I will not be sending them separately UNLESS they request the documents. I've already spent ALL WEEKEND going through my records, scanning documents, and now filing an Amendment to my original complaint.
Product: Credit reporting or other personal consumer reports

Full certified copy of all statements, all documents, all contracts, all interactions ever made with the questionable account ( s ), was requested by Experian to provide me or delete false and misleading information. Experian never provided me any proof and kept information. To hurt my credit. Thus damaging my credit at a very vulnerable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account XXXX  Ending XXXX Dear XXXX XXXX, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision.

I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report.

Provide written confirmation that the error has been corrected and no further duplicate reporting will occur.

If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA.

Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 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, credit repair services, or other personal consumer reports

Currently have an account with XXXXXXXX XXXX XXXX  This is a line of credit. Balance on credit report has not changed in 3 months after several payments. 

All three reporting credit agencies report wrong balance. 

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Product: Credit reporting

I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.
Product: Debt collection

An unknown debt to an unknown company popped up on my credit report on XX/XX/2020. I called the number at about XXXX PST and a live person answered mumbled a company name that did not sound like the company reported on my credit report and immediately put me on hold before I could respond. I rechecked the number on my credit report and called ( same number ) again. A live person answered again but more clearly stated the company and quickly state they had another person ahead of me and put me on hold before I could respond. The person got on the phone asks for an account number, I search the collection flag on my XXXX  credit report and find none, they then ask for my name, which I provided hesitantly because again, the transaction is unknown to me and something feels off about the company. They put me on hold to look me up and returns asking for my date of birth, again I am super uncomfortable but provide it. 

They note some details of a transaction still unknown to me. I say as such and repeat it more than once stating I need written correspondence. The phone agent asks " are you trying to evade my questions. '' This makes me even more nervous about this call. They note they have obviously legitimate since they have reported to credit agencies. I note that I just sat through and looked through 6 months of mail and I have NOTHING from this company. I thought I might have missed something because we have had to XXXX  related health emergencies on top of everything else and I have not been good about physical mail. The calling agent becomes agitated accuses me of interrupting them, not allowing them to speak and evading their questions, and puts me on hold. 

Returns and continues the conversation and when I restate I need physical correspondence because I am afraid this may be fraudulent. The agent asks for my mailing address and I freeze, I ask them to pull this from my credit report because I don't feel comfortable giving an unknown company my physical address. They again become vocally agitated and asks for me to provide. I tell them no. They accuse me of not allowing them to speak and said something inaudible before saying they will be transferring me. 

The interaction was very strange. Felt a bit like entrapment or gaslighting and I got off the phone and my hands were shaking. It was a very dehumanizing experience. As a XXXX woman who has worked in corporate finance her entire professional career I was taken aback and deeply concerned. I still don't know that this interaction was not fraud.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 that the information is inaccurate.
Product: Checking or savings account

Description of the Issue : I have been unable to access my account with CIT Bank due to persistent login issues. Specifically, the multi-factor authentication ( MFA ) process is not working. When I receive the code and enter it, I receive an error message. Attempts to unlock my account, change my password, and resolve the issue through other methods have also failed. It appears the MFA system itself is dysfunctional. 

I suspect CIT Bank is aware of this issue and has failed to address it for over a year, as I have encountered numerous similar complaints from other customers on online forums. 

Despite contacting CIT Banks customer support twice ( on XX/XX/XXXX and XX/XX/XXXX ) and escalating the matter to a supervisor, my issue remains unresolved. The supervisor admitted that they were unable to take any action to resolve the problem. 

This repeated lack of action and the apparent unwillingness or inability to address the issue raises serious concerns about CIT Banks commitment to resolving customer issues. I suspect that these delays may be intentional, which would represent a significant breach of trust and fair banking practices.

Impact of the Issue : The inability to access my account has caused significant inconvenience and disrupted my ability to manage my finances. Furthermore, this experience has eroded my trust in CIT Banks ability to act in good faith and provide reliable customer service. 

Steps I Have Taken to Resolve the Issue : - Contacted customer support twice and verified my identity during both calls. 
- Escalated the issue to a supervisor. 
- Clearly outlined the problem and sought assistance, but no meaningful action was taken. 

Relevant Information : - Account Type and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Attachments : Screenshots of error messages, including instances where the MFA code matched but was rejected.

I respectfully request the CFPB to investigate this matter thoroughly to ensure that CIT Bank complies with its obligations to provide fair, transparent, and effective banking services. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX Acct # 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
Product: Mortgage

On or about XX/XX/2019 I applied for a home equity line of credit with Bank of America because I have been a long time customer of Bank of America. 

My application was assigned to XXXX XXXX XXXX, Home Service Specialist III, NMLS ID XXXX. 

Over the course of the next 8 days, I supplied all of the documents requested by Mr. XXXX. 

On or about XX/XX/XXXX, I received a phone call from Mr. XXXX with approval for an offer for a line of credit. The offer was contingent upon my using a portion of the credit line to pay off certain student loans. I declined the offer. 

On or about XX/XX/XXXX, I received an adverse action letter from Mr. XXXX at Bank of America, indicating that my application was not approved. This is factually incorrect, as I was offered a line of credit by Mr. XXXX on the XX/XX/XXXX call, but I declined the offer because it was not competitive. 

I immediately contacted Mr. XXXX to request a corrected letter be sent, correctly indicating that the offer from Bank of America was declined by me. 

Because the statements in the Adverse Action Letter were  factually incorrect statements about Bank of America 's ability to offer the loan, these statements amount to a deceptive trade practice appropriately handled by the FTC.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email from Credit Corp Solutions or about XX/XX/XXXX, XXXX Credit Corp Solutions claims I owe a debt. On XX/XX/2024, I sent a cease-and-desist letter to Credit Corp Solutions. The letter contained the following information I sent : You are hereby notified under the provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. 

XXXX ) You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state 's Attorney General 's office. I will pursue all criminal and civil claims against you and your company. 

XXXX ) Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

XXXX ) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 
Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

To this day the Credit Corp Solutions has continued contacting about a debt that I have disputed. Credit Crop Solutions has not provided me with any debt validation and continues to email me and try to collect. Credit Corp Solutions has also place their account on my credit report.
Product: Prepaid card

I received a {$50.00} prepaid AMEX gift card as a graduation present in XXXX of XXXX Card says expiration date of XX/XX/year>, Ive tried to use it multiple times, all with purchases UNDER {$50.00} and doesnt work. Followed advice found online to try to add to my XXXX wallet and still doesnt work. What is the point of a prepaid card if you cant use it for anything!
Product: Credit reporting or other personal consumer reports

I have disputed this debt with Experian 3 times, I sent the documentation showing that account had been paid and the check had been cashed by the creditor. The account needs to be updated as paid on my credit report. They keep verifying the account as not paid, I've tried to contact the creditor but they are no longer in business. Experian is not doing doing their due diligence.
Product: Credit reporting or other personal consumer reports

Company has failed to investigate XXXX  file even when provided with information that proves account is invalid. For 13 months company reported account as at FCRA standards but recently had retracted information. This is proof the company has never actually ran dispute to FCRA standards as previously stated as they removed XXXX inaccurate data points. This is valid proof that the entire file is corrupt data and should be removed. The company should also be held liable for financial damage they caused for not upholding legal standards for FCRA violations on multiple occasions and being the direct cause of financial hardships This account is not mine and that has been stated multiple times on multiple occasions. Account was opened fraudulently
Product: Debt collection

Several written requests were sent to this company demanding hippa release, proof of license to collect in my state, proof that alleged debts are transferable etc. No reply was ever received. Further more, debts have exceeded statute of limitations but collector Keeps ILLEGALLY resetting the date. Original accounts are over 7 years old. They refuse to delete from my credit report and refuse to provide requested information. Letter was sent over 90 days ago with no reply. Proof of written request attached.
Product: Credit card

i tried to make a check payment of {$140.00} to JC Penney in person on XX/XX/XXXX. The clerk said the computer was having issues and my check did not process. So I paid my bill with my debit card. Got my receipt and my bank statement in XX/XX/XXXX showed payment received and processed. 
Synchrony bank said they sent me a letter in XXXX stating my payment was returned by my bank. I never received this letter and there was no notice from my bank stating they reversed my payment. When I received a statement of payment due from JC Penney in XXXX I called them and got nowhere. They told me to write to Synchrony Bank and file a dispute.I filed a dispute in XXXX and sent them all the requested documentation. Nothing was resolved and evidently my case was closed without any notice from the bank. So I got their phone number and started calling. I opened a new dispute and again sent all documentation. Again they said they would look into it. 
Their records are wrong and when you call the person you talk to usually doesn't know what they are doing. Their dispute dept. is a joke. I called again this morning and spoke to XXXX who said he was a supervisor. He was not helpful, kept insisting the payments were returned by my bank. He said he would keep the dispute open but I don't have any faith my claim is going to be resolved. Meanwhile I will continue to receive statements from JC Penney with late charges and 34.99 % interest charges, I'm not sure how much longer to hang in there