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

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation. 


I have complained to the CFPB numerous times and the companies claim that there is more than one person on the complaint and that they can't release information to third parties. I have furnished them my ID, pand proof of address to properly identify myself as the person making the complaint. It is clear that these are dishonest tactics the credit bureaus are using to evade that fact that they are not in compliance with the Fair Credit Reporting Act. 

I demand my request be taken seriously and that the erroneous and unverified information be removed from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX is breaking the law by furnishing inaccurate account. The date opened is wrong. and Date Last Active is wrong. Your company have reinserted same debt from original creditor XXXX It was deleted by Amsher due to violations and now you have let this agency commit the same action. They have only shown a bill not a contract with a bearing signature. I have attached both credit reports so delete this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in removing fraudulent items from my credit report. Despite multiple attempts to resolve this issue directly with the credit bureaus and creditors, the fraudulent items remain on my report, severely impacting my creditworthiness. This is my request for intervention, and I am in urgent need of your help to rectify this matter. Despite these efforts, the fraudulent items have not been removed from my credit report. I have enclosed copies of my previous correspondence and all supporting documentation for your review. 

I respectfully request that you could investigate this matter and assist me in the removal of these fraudulent items from my credit report. Your intervention is crucial in ensuring that my credit report accurately reflects my credit history and that I am not unjustly penalized for fraudulent activities beyond my control. The following items should be remove as soon as possible 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with XXXX on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XXXX XXXX  when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX  points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the XXXX employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from 793 to 637 at one time would be a Bankruptcy. 

I submitted a complaint electronically to TransUnion on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXXXXXX XXXXAlso, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence that I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of Bank of America, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with Bank of America totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX monthly payment on a {$95.00} balance for a card charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have corresponded with Experian Credit Reporting numerous times in an attempt to get a wrongfully applied negative item removed from credit report. I have attached letters written to both XXXX XXXX and Experian detailing the events and circumstances leading up to this matter. 
Should you have any questions or require additional documentation feel free to contact me. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX Email XXXX XXXX. XXXX XXXX
Product: Checking or savings account

Hello, We received a check from someone who we thought wanted to stay in our rental unit. That individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent. They asked us to refund a portion of the check to their travel agent. 

We waited until Chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via Chase XXXX ( XXXX ). The individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit. We then refunded them an additional portion of the check via Chase XXXX as Chase had shown the funds were available and I never received a message from Chase that there was a bounced check. 

Unfortunately, I now come to discover that the check had bounced. I am shocked, disappointed, and angry that Chase did not immediately notify me that the check had bounced. As someone who has never bounced a check, this should have been setting off alarms at Chase and they should have contacted me via phone, email, text, or anything to notify me. I did not even receive an internal message when I log in that the check had bounced. 

I called Chase 's fraud & claims department and they were not willing to assist me at all. I spoke with XXXX and he was not helpful or sympathetic to my matter. In total, we were defrauded out of {$3000.00} between 3 payments via Chase XXXX. Chase 's current policies and customer service will continue to help criminals while hurting and angering their loyal customers. Chase should have immediately warned me that the check had bounced and I would have been able to help prevent additional fraudulent activity. Chase also should not have shown the check 's funds as available only to have it bounce later on. 

{$3000.00} is not a material amount of money to Chase, but to my wife and I, who are loyal Chase customers, it is.
Product: Debt collection

To CFPB, I have been in the hospital a lot lately suffering from XXXX, upon my release from the hospital and while taking responsibility for my credit I noticed that Trans Union is at it again, meaning, they simply do not take the time to verify the information that is reported to them, in this case from a company called XXXX XXXX claiming that I owe XXXX XXXX XXXX {$230.00}, really? That's strange I NEVER RECEIVED NOTICE that I owe them anything. This kind of behavior on the part of Trans Union to neglect their responsibility to verify information given to them justifies a fine from the CFPB of XXXX XXXX and XXXX XXXX dollars and a fine for the company reporting this bogus debt to match that of Trans Union. I WARN YOU that if something happens to me ( health wise ) as a result of this kind of behavior my family will come after you ( legally ) and you will have financial XXXX to pay.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal, or that you have followed all laws and regulations to report therefore you must remove this account from credit report.

As you know it is against the law to report any information not proven accurate. Under the laws of the State of Illinois and State RISA and MVISA status a deficiency can not be claimed unless all of required notices were properly and timely given, and all of allowable redemption and cure time limits were adhered to. Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ). 

The alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and XXXX XXXX remedies. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX -has violated my rights XXXX XXXX XXXX  acct # XXXX -has violated my rights XXXX XXXX XXXX acct # XXXX -has violated my rights XXXX XXXX  XXXX act # 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 an account without my written consent.
Product: Money transfer, virtual currency, or money service

Cashapp locked my account for suspicious activity and is refuse to give me my XXXX XXXX They are claiming that its for my protection but wont allow me to confirm my identity. They are doing this is XXXX of thousands of people. My account is fully verified. With my id, and phone number. 
They are denying access to my hard earned money. And are refusing to allow me to cash out my balance while not offering a solution or resolution to this matter
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY TRANSUNION, XXXX XXXX REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number:XXXX It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.
Product: Debt collection

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a dispute letter in regards into inquires into my credit report that was not authorized by me. Equifax states that my proof identity don't match this is a stall because their asking me resubmit the same information again. I have enclosed my documents plus certified mail receipt to prove my identity. Equifax already had a breach of stolen information and now their telling me that the information I sent is not me. This is fraud and I want this removed. Their refusing to investigate this matter and I'm with another stall tactic! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Also I have concerns I dont recognize this public record. Please provide proof from the court of this public record. There is no address of this Federal court house 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
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to log into my American Express Bluebird prepaid account and I was not able to log in. Then I had called and the automated system told me to check my email as my account was suspended. I checked my email and it said my account was suspended due to fraud. I had this account 6 years and I never committed fraud. They rejected my fianc 's stimulus check and his tax refund. I called and they said to write a letter. To which no response was received. All I want is for them to reject my direct deposit send it back to my employer. Close my account and send me a check to the address on file for the remaining amount in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed