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

XXXX XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since XX/XX/XXXX. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, XXXX XXXX XXXX does not have an open case.
Product: Debt collection

There is a XXXX  XXXX account that I have never owned or received a credit card in my hand that was made in XXXX of 2019 I mistook XXXX XXXX for XXXX  XXXX which I did own and am making payments on. 

I never owned a XXXX  XXXX account but the company said I did but around that time I did not have my social security and had to get a new card so this may have been a form of theft I need this account shut down because I am a XXXX XXXX I am still paying on school.
Product: Consumer Loan

We purchased a XXXX and financed the vehicle with " Chrysler Capitol ''. The vehicle was hit by a tree during the Hurricane XXXX. XXXX came out and reviewed the damage and a check was cut. It had the lien holder and the co-owner on the check. We were advised to send the check to the lienholder and we could spend out of pocket for the repairs and they would reimburse us for the repairs that the insurance company paid for. After many weeks of sending documentation to " Chrysler '' we are now told they will not pay for certain items because they are not the same manufacturer. They have our money and we are out of pocket for these repairs. The employees are rude and of no help. To the point that they hand up on us. We need help getting paid for the repairs that OUR INS company paid us for and that Chrysler refuses to give us.
Product: Credit card or prepaid card

Did not receive bill in mail assuming issues with COVID. Also got a new credit card linked with auto pay. I am unable to get a home loan due to the negative reporting.
Product: Credit card

Ensuring timely payments on this account has always been my priority, and I've never let them become overdue. I am unclear why late payment remarks appear on my accounts. 15 USC 1666b states that billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a h ard inquiry from CitiBank. I did not authorize this inquiry and would like it removed from my credit report CITIBANK NA.,    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 1

5 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay

: 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

I have tried to dispute information within my credit report on Experian 's website ( XXXX ) and have not been successful. The website takes you through a series of steps and then at the end when all of the verification is done and the dispute page is suppose to populate it returns a notice stating that the request can not be honored. Furthermore, at the end of the notice it explains that Experian will not return correspondence. Now how am I to get in touch with the agency? They have no phone number available so that you can speak to someone. The number provided only allows for XXXX options and that is to order a report or give access if you 're a paying customer of some kind of credit monitoring/credit score product. I have been able to dispute the other agencies of XXXX & XXXX because they do n't lock out people if you 're not a paying customer. There is supposed to be a number provided at least to handle issues like this. They can not just deny access to them when they are making your personal information readily available to creditors and others. I mailed them a certified letter and I have not heard from them at all! If they do n't reply to correspondence then how am I to overcome this problem I am having with them. The computer can not solve my problem, but a person can if could get into contact with one. This is criminal and absurd! They purposely do this so that it can drive a wave of paying customers their way. If you do n't pay then you can not talk to anyone within the company to resolve issues. Once the online system locks you out, if you can gain access, then you are deadlocked. Please enforce that they supply a number for individuals who they aggregate data about and share with others. They should not have ever been allowed to have such a setup. I am sure I am not the only one with such a complaint or problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net credit XXXX ran a hard inquiry on my credit on XXXX XX/XX/2021. I have never heard of this institution. I have tried over several months to call and email with Net credit XXXX with no success.
Product: Credit reporting

Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX off in an agreed settlement. I filed a dispute with Equifax letting them know that its paid in full. On or around XX/XX/XXXX, they updated my credit report to show paid in full and at a XXXX  balance. On or around XX/XX/XXXX, Equifax placed this closed account back on my credit with a $ 2,900+ balance. Im not sure what theyre doing, but this has caused my credit score to drop 30 points! Ive called them about this 5 different times, Ive spoken to a supervisor, and all they want to do is keep opening disputes instead of correcting their mistake.
Product: Debt collection

This debt buying company, Jefferson Capital, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX  mastercard dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. 

I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. 

I reached out to this parasite company and told them that I never had a verve mastercard and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. 

I have NEVER had a XXXX  XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but Equifax and XXXX refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because Equifax and XXXX  won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

EQUIFAX 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. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Citi Corps calls some days up to 9 times per day. I have phone log to prove it. They start at XXXX XXXX. can do not stop until XXXX XXXX. They also have a number displayed that I have tried to call back, it will only ring twice and cut off. They also call here with a message in XXXX. I speak English only. They are breaking the law by their harassing phone calls. They also have called on Sundays which I requested months ago for them not to call me on Sundays.
Product: Mortgage

Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.
Product: Credit card or prepaid card

Im making a claim against US Bank. 
On XX/XX/2022 I called my lending institution XXXX XXXX to find out why 4 of my recent payments had been returned or stopped to my credit card company US Bank. XXXX XXXX said the funds were available on the day I made payments to USBank on all 4 occasions. I asked why they stopped the payments and they said it was done on US Banks side, that they did not do it. Then yesterday I made made 1 payment and was charged 3 times for amount I was paying by clicking the payment button 3 times for the amount 3 separate times in a 10 min window. I called US bank and the customer service rep XXXX said she was sorry but all three payments would be posted to my bank account and if they didnt clear I would have to pay the returned payment fee, the extra interest and more. Then said she was sorry. I would like someone to help me with this. I am very careful with my credit cards and believe I am being scammed by US Bank and their app technology and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card was closed by XXXX on XX/XX/2020 because of inactivity of credit card.I went on transunion site to get free copy of report and i cant.Transunion doesnt make it easy to navigate on there home page to get report for free.
Product: Credit reporting

Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has furnished innacurate information to XXXX to report on my credit report and there is false information as well as incorrect information. I have submitted disputes several times to no avail with the letter from the Court stating that they do not furnish this information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a money transfer for {$510.00} dollars through Money Gram this was my XXXX time using this company, the other XXXX transfer I got the money, but this XXXX one never received the money, I've been reaching out to the company and the open a case and tell me that I have to wait upto 90 days for a resolution. To many cases open and closed without any resolution the say the money was deposited on my account and that's it, case closed, and my money still lost ... .I have tell them that I can send a proof that the money was never received on my end account, but they don't take any paperwork from me but they send me what supposed is a proof of the deposit, also they've been to many discrepancies since the firt time I contacted Money Gram to complain about my money, like they sent me and email saying that they couldn't transfer the money so I'll receive the money back on my account in lees that 10 busissness days, witch never happened, then I received a second email saying that the money was deposited on my account but because it took to many days, they will refund the {$1.00} they charged for the transfer, why the send me that if they say the money was successful deposited on my account??? Could you please help, someone told me that if I have a tracking number, I can contact XXXXXXXX XXXX XXXXXXXX and they could located the money, but the company doesn't want to provide a tracking number, only a transfer reference, but that doesn't work with XXXXXXXX XXXX XXXXXXXX website to track my money. Please let me know if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( Experian XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Account # XXXX Account # XXXX
Product: Debt collection

I was contacted by Convergent XXXX to inform me that my phone bill was delinquent, however this debt was cleared shortly thereafter due to an accounting error. I reached out to the debt collection company via the email address on the written notice they sent me, # XXXX, and I did NOT get a bounceback/mailer daemon failure, so I assume it was delivered. Upon requesting further information to confirm this debt as well as requesting confirmation that my case has been updated/closed to reflect the state of my debt no longer being valid, no replies were sent back to me despite me sending emails to them with clear requests and documentation to clear my case. This company did do a satisfactory job of clearly identifying themselves as a debt collector, as well as informing me of my rights to challenge this debt notice, which I have, but they have not followed up on the communication channels provided. It is of the utmost importance to me that I get written verification from Convergent XXXX confirming that my case has been closed/that the debt sold to them to be collected from me is no longer valid.
Product: Payday loan, title loan, personal loan, or advance loan

Letter received about a loan I had that did not close, and call this number. I never had an application then and despite repeated calls to the number provided, and other numbers I find to call, no one can help me ( or speak XXXX ). They transfer me on to specialists who then never answer or hang up XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed an from XXXX XXXX BAL {$1800.00}, XXXX XXXX {$XXXX}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.
Product: Debt collection

FFCC-XXXX XXXX I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with FFCC-XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FFCC-XXXX and I believe it is a HIPPA Act violation. I request that FFCC-XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FFCC-XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.