23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

AMERICAN EXPRESS NEVER GAVE ME NOTICE OR A CHANCE TO OPT OUT OF CREDIT REPORTING THIS ACCOUNT INFORMATION, IM OPTING OUT NOW.
Product: Debt collection

On XXXX XXXX I received a letter from a " Law Office '' demanding I pay a debt that is past the CT statute of limitations of XXXX XXXX XXXX. They are falsely impersonating a law firm as a bullying tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( XXXX, Experian, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the Office of the Comptroller of the Currency ( OCC ) XX/XX/XXXX, at XXXX. I had discussion with the OCC regarding XXXX XXXXXXXX XXXX XXXX XXXX closing two accounts due to an error made by the Consumer Financial Protection Bureau ( CFPB ) forwarding the Office of the Comptroller of the Currency the complaint ( See attached letterhead ). I have had a dispute with XXXX XXXX, for Identity theft. I did not dispute anything with XXXX XXXX XXXX or the accounts I have with XXXX XXXXXXXX XXXX, XXXX XXXX. 

The complaint was sent through the CFPB to XXXX XXXX with the address listed as XXXX XXXX XXXX, XXXX LA XXXX. The Office of the Comptroller of the Currency forwarded this complaint to XXXX XXXX XXXX XXXX XXXX in error, and it caused my accounts to be closed, which I did not request. I have never been late to these accounts nor have given XXXX XXXX XXXX XXXX XXXXXXXX to close my accounts. 

I have no association with XXXX XXXX. They have been unlawfully accessing my social security number in order to run hard inquiries on my report. The most recent one noticed again was on XX/XX/XXXX. I never authorized or signed any contract with XXXX XXXX and have no legal binding contract with them. However, they still continue to steal my identity and use it to put negative hits on my credit report. I have filed an Identity Theft Report with the Federal Trade Commission and continue to take further measures to protect my identity. 

I called XXXX XXXX XXXX  XXXX XXXX multiple times to get this corrected and reinstate my accounts and I keep getting different answers from individuals in other countries that do not have the knowledge on what to do or direct me to get my accounts reinstated. I am inquiring about the closed accounts again. I have sent two previous letters via certified mail XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in order to correct this error so I may utilize my credit lines again and they yet to fix the accounts. 

Thank you for your time in this urgent matter as I appreciate your time in helping get this matter corrected. 

The CFPB needs to contact XXXX XXXX XXXX. XXXX XXXX still has not responed, and the information needs to be removed off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for Synchrony Bank ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.
Product: Credit card or prepaid card

On XX/XX/2020, a case was open due to unauthorized transactions from an ATM robbery. At this time, my card was deactivated and my account was placed on a restriction. I was told to fax over a written confirmation letter, the police report and documentation to verify my identity. I also sent my mother 's ID as I authorized her to have access to my account on my behalf. I've faxed over 15 pages worth of the requested documentation plus more information that I thought would be useful in proving my identity. Such as : my monetary determination letter and payment summary from unemployment which shows each deposit that was placed into this account. It has now been 8 days since I've opened a case. I was informed today by customer service that my documentation was received and reviewed but they were not able to verify my identity despite having a copy of my government issued photo ID, a copy of my birth certificate and my unemployment documentation. Due to their verification team being a third-party secret service, customer service was unable to provide any more information then what was provided in a vague note on my account. No instructions were given and no explanation as to why my identity couldn't be verified or why they are still keeping my unemployment money. There is absolutely no reason for them to withhold my money from me. I've done everything they have asked me to do and they are denying me all of the money that I need to live. I am at a loss and just want my money back. Please. Thank you. XXXX
Product: Debt collection

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I OWE THEM NOTHING! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect outdated address information on my credit report that I am unable to change through Experian. I have used the online portal and have made a phone call on XX/XX/2022 and XX/XX/2022, but was not successful. I was directed to settle the issue with the company. However, the closed accounts will not allow me access to change my information online ; it would say my account doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXX XXXX XXXX XXXX # XXXX. 

I have requested that Transunion provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
Transunion has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Transunion DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Transunion personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Transunion is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : First Premier Bank Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.
Product: Credit card

I sent my first registered letters back in XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citi Cards delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citibank NA delivered XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XX/XX/23 Bank XXXX New York XXXX XX/XX/23 XXXX am XXXX XXXX XXXX I asked Citibank if they were indeed discharging my debt every year via XXXX A ( current debts ), or XXXX C ( debts older than 3 years. 
I asked if that was indeed the responsibility of their Indentured bank The XXXX XXXX Bank, and their XXXX Bank XXXX Bank XXXX New York XXXX. 
I asked if my signature, name and Social Security XXXX gave them access to the Treasury window to get paid. 
I asked if me signing over my security interest rights to them and me giving them they right to transfer /sell this financial security actually prevents me to properly discharge my debt, and paying lawful taxes according to IRS XXXX we are only supposed to pay taxes on stocks and property. 
I asked If I unknowingly agreed to repay for charges that already have been XXXX, because everything is backed by the Full Faith and Credit of the United States XXXX XXXX XXXX. 
I asked to please provide to me in writing if they are selling and trading my collateral certificate of indebtedness on the primary or government market, and then on the secondary or stock market. 
I asked them if the statement they were sending me every month is indeed a statement of a T-Bill with XXXX bottom part my dividend check ( money owed to me ), and the top part a bond to be traded on the markets. 
I sent them stamped ( XXXX and XXXX ) as payment XXXX times. I have not heard back from XXXX Bank XXXX Bank XXXX XXXX, and Citibank just told me that I have signed the contract, I have since then revised the contract ( 80 % my principal, and 20 % their servicing fee ). I sent a notarized copy to their XXXX Department via certified mail. 
In short I asked them to validate a lawful debt for me. 
I might have given them implied consent by paying them via automatic payments, but it was definitely not informed consent. I never got any kind of mail from them educating me about rights and the different ways to pay this statement. 
Since then they have closed my accounts, and are now suing me despite the fact that they have a mandatory arbitration clause. This is potential securities fraud and tax evasion. Given the fact that they are considered a foreign liability company with their headquarters in Delaware, they fall under the XXXX rules and need to be looked at by XXXX. 
They also took adversed action against me by closing my account, suing me and reporting me to credit agencies ( XXXX XXXX XXXX a ), and violated my open-ended credit plan XXXX CFR XXXX by closing my credit cards. They also violated XXXX XXXX Tender of payment I sent them a stamped ( XXXX XXXX XXXX which was never returned to me ), and UCC XXXX Discharge by XXXX. 
I as a federal protected consumer have a right to ask these questions. All my purchases were for home and personal purposes only.
Product: Checking or savings account

My primary checking account with Bank of America had a balance of {$40.00} and a scheduled payment of {$34.00} was debited on Monday, XX/XX/XXXX which left a balance of {$5.00} in which I transferred to my joint account. This transfer left my primary checking account with a XXXX balance. However, that following day ; Tuesday, XX/XX/XXXX my primary account was debited for {$400.00} which resulted in an overdraft plus a {$35.00} return item fee. On Wednesday, XX/XX/XXXX, the {$400.00} was returned and my balance was a negative {$35.00} then later on that day, BOA reversed the XXXX payment and placed it in a continuing processing status, applied the {$34.00} to the {$400.00} overdraft reducing my overdraft balance to {$370.00}, then placing the XXXX charge of {$34.00} back to my account so that they could attach/profit from an additional overdraft/insufficient funds fee of {$35.00} leaving me with {$70.00} in fees - so far. After speaking with an account representative and informing her of how BOA changed my transaction postings and the fact that I was fully aware of the order in which they should be posted ; she attempted to explain further and I explained to her that I had pictures of the transactions as well as their dates. She stated that on her end, she could not see what I was speaking of and kept telling me that the XXXX transaction had cleared on XX/XX/XXXX and I kept telling her that it was still showing as " processing '' but was debited from my account on Monday, XX/XX/XXXX, then reversed and held to allow the {$400.00} to be processed - so again ; I offered to provide her with the pictures of the transactions but she stated that they could not accept pictures. Both of these items were ACH items and the XXXX item was dated for XX/XX/XXXX and the {$400.00} item was dated for XX/XX/XXXX. Then she stated that it was probably because I was using my mobile device and I told her that I was not as the information was displayed on my laptop. She then proceeded to place me on hold to review my account and see if I one of my fees could be waived but then told me that based on my relationship with BOA ; this could not be done. This is not the first time that I 've had a similar issue with BOA and they tell you the same thing every time but continue to rip off their consumers. I then informed her that I already sent a complaint to the Bank and will also be filing additional complaints because I felt as if this was unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank has the same account on my report twice. This new account just showed up on my report with the same dates, the same amounts, and the same company. This is hurting my credit report tremendously.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX XXXX when the creditor submitted a manual update in XX/XX/year>. The creditor sent a response letter ( enclosed ) stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over XXXX months and this account remains on my Equifax report. XXXX and XXXX have removed this account. Please see the attached response from the company and remove this account within XXXX days.
Product: Credit reporting or other personal consumer reports

Procollect has continuously reported that I owe {$8400.00} to an apartment complex.on one credit report but on another report it states that I owe {$6100.00}. Section 623 ( a ) states reporting incorrect on ANY CRA MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

I attempted a XXXX dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but XXXX will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX.