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

This is follow up to previous complaint. Here I am giving all the info that is reported on my crust report when I never give written consent. 
ALL ACOUNTS LISTED ON MY NAME AND SOCIAL SECURITY MUST BE DELETED BASED ON, 15 U.S. Code 1682c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15US Code 1681 ( 5 ) this account in violation is not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE. RESOLUTION : DELETE THESE ACCOUNTS UNLESS YOU WANT TO BE HELD ACCOUNTABLE FOR XXXXXXXX XXXX  PER ACCOUNT.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX Experian and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Product: Credit reporting or other personal consumer reports

I have made several attempts for more than a year to get this matter resolved re : 2 accounts that should not be reporting on my credit profile which are financially injuring me which is a major violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXX BANK. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Product: Mortgage

Investigate wrong/delinquent parcel payments on XXXX taxes associated with loan number XXXX. 

XXXX XXXX updated our XXXX address because XXXXXXXX XXXX XXXX XXXX XXXX XXXX was not accessible for XXXX emergencies. It was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We called Citizens on XX/XX/XXXX to advise of an address change. 

Citizens has been paying the taxes on the wrong parcel #. 

The taxes on correct parcel # ( XXXX ) are delinquent. The past due penalty amount is {$3500.00}. 

Citizens should have been paying the taxes on parcel # XXXX. This is the land that the home is physically located on. 

There should be an escrow balance that is {$3300.00} that citizens should credit us. 

Citizens is responsible for fixing this issue and paying the past due penalties. 

We contacted Citizens on XX/XX/XXXX as soon as we realized Citizens was paying on the wrong parcel. They told us it would be XXXX days and they would resolve this and let us know via phone call. We never received a call. 

We contacted them on XX/XX/XXXX to find out if this was resolved, they said it was not resolved and that we would getting a call back on XX/XX/XXXX. We still haven't received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 16 CFR 433.1, 433.2, 433.3, creditors are not allowed to report anything on my credit report unless I specifically authorized. 

I hereby OPT-OUT of any/all reporting by any/all credit reporting agencies and creditors, effective immediately and will be forwarded by CFPB. 

These reporting agencies are abusive and will NOT comply with recent requests/demands. Therefore, I revoke/rescind and/all of their privileges with respect to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I purchased a back-up system for an R.V. through Amazon around XX/XX/XXXX of XXXX. 
It was not the correct one, so I returned it through XXXX on Friday XX/XX/XXXX, at XXXX XXXX. The drop-off location The XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Tracking # XXXX. I started receiving invoices for payment. I 1st contacted XXXX at Synchrony on XX/XX/XXXX at XXXX XXXX was directed to Amazon. The customer service said they would rectify it. My 2nd attempt was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX at Synchrony bank explained what happened and said he would take care of it. I called Amazon to check on the return, I was told that Amazon received the return on XX/XX/XXXX. I am stilled being billed so my final contact was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX then transferred to XXXX, then transferred to XXXX who is the manager, he said he would investigate it, I supplied a copy of the shipping label. As of XX/XX/XXXX almost a year later this has not been resolved I am still being billed for an item I do not have. Please help me with this problem, I tried to resolve it but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX  - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX
Product: Student loan

Sloan servicing 's website 's login regularly fails to load for me. I've tried multiple browsers clearing cookies and deleting browsing history. This issue has made me miss payments in the past and it's currently making me miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Product: Mortgage

We paid our monthly mortgage to PNC via check. We erroneously wrote the XXXX check for XXXX. PNC cashed the check, sent us a letter notifying us of the shortfall and then charged a {$190.00} late penalty although we provided the shortfall within days of notification of the error.
Product: Credit card

On XX/XX/year> - I signed up for an Apple Card through a promotional offer that was advertised on XXXX. The promotional offer was earn {$100.00} Bonus Daily Cash when you spend {$500.00} or more within your first 60 days of account opening I clicked the ad on XXXX and was directed to a promotional landing page on XXXX with the same terms. I followed the instructions and clicked the apply now button. I was approved for the card and immediately met the spend requirement on XX/XX/XXXX when I spent {$570.00} at XXXX 

I have included screenshots of the XXXX ad and apples website at the time I signed up. Ive also included my XXXX statement which shows I met the XXXX XXXX spend requirement. As further proof - here is an archive of the offer page on XXXX at the time I signed up - XXXX XXXX XXXX  Per the terms of the promotion, I should have received {$100.00} of Bonus Daily Cash. To date, I have not received the {$100.00} bonus cash. I reached out to Apple/Goldman Sachs on XX/XX/XXXX and provided all of this information to them. 

Their response was to ask for Proof of Spend {$500.00} to Get {$100.00} XXXX XXXX promo communication email. As stated in my first message to Apple/Goldman Sachs , this promotional offer was not e-mailed to me. It was advertised to me on XXXX and a public landing page on XXXX. They are not honoring the terms of their offer.
Product: Credit reporting or other personal consumer reports

I am writing to you for the tenth time in an attempt to resolve persistent inaccuracies on my equifax credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question. upon reviewing my equifax credit report once again, I discovered that it still does not align with the information provided by Equifax or XXXX or XXXX. This inconsistency is deeply concerning, especially considering Equifax 's obligation to ensure the accuracy of the data it reports. I've attached a copy of credit report and a complaint letter, Please update these accounts with the correct data or delete from my credit profile asap. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a collections claim on my Equifax credit report from XXXX XXXX. XXXX is attempting to collect and report on a debt that was discharged during a XXXX  XXXX XXXX  in XX/XX/year>. They know it and have my discharge information. I've already had a previous collection 's report removed from both XXXX and Equifax. 

The current reporting is about an amount that was XXXX in XX/XX/year>. They called me and I told them that, gave them my case number and lawyers number. They reported on Equifax and XXXX anyway. I disputed the credit reporting. XXXX removed it but Equifax refused to remove it from my credit report. 

I told them it is an illegal collections and reporting it on my credit report is not correct but Equifax kept it on y credit report. Oddly, the amount keeps going up but they aren't attempting to collect the debt, just report it to Equifax. 

I want this illegal collections removed from my credit report. Equifax seems to be the only XXXX still reporting it.
Product: Credit reporting or other personal consumer reports

I have these unauthorized and unverified inquiries on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.
Product: Debt or credit management

On XX/XX/2024, I called the debt collection company to inquire about the debt associated with a shared lease agreement for an apartment I previously rented. During this conversation, I was informed that the debt amounts to approximately {$9000.00} to {$9700.00}. This range was provided by the companys representative. However, I believe there may be inaccuracies or discrepancies in this amount.

My guardian had to include my name and my younger sisters name on the lease in order to be approved for the apartment. Despite our names being on the lease, we were not responsible for the rent payments. The terms of the lease and the financial responsibilities of each tenant were not clearly disclosed at the time of signing the lease agreement, leading to confusion regarding the debt amount and shared responsibilities. Additionally, the customer service provided was vague and did not offer a satisfactory explanation or follow-up.
Product: Credit reporting

I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as " soft '' or " account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!
Product: Debt collection

We completed a previous dispute under XXXX. 
Complaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.
Product: Credit card or prepaid card

On XX/XX/2022 o contacted Direct Express to issue me a new card due to my old card malfunctioning, I tried 3 days prior to contact Direct Express but couldn't get through to a Live person, finally on XXXX  XX/XX/2022 I did about XXXX XXXX, I waited two days for delivery on my new card it arrived on XXXX  XX/XX/XXXX XXXX when it wouldn't activate I called customer service back and that's when all my problems began, somehow someone got my info my account number, my Social security number, my birthdate, my address along with my IL State id card, I was told on the 6 th of XX/XX/2022 that the new card would arrive in 3 days when I questioned why 3 not 2 I was told due to heavy requests and being around the holidays be patient, when No card arrived I knew I been Scammed, I called customer service immediately and again took me hours to get threw, when o I finally did I was told someone changed my address to XXXX Maryland and had a new debit card sent there and 4 separate ATM withdrawals for a total over {$1600.00} was made from the 9 the of XX/XX/2022 til the 20 the of XXXX I have been issued a total of 7 different ATM Cards of which I can not use due to the FRAUD continuously occuring, Direct Express Customer Service is horrible to deal with and now I'm being treated as if I were the criminal,
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.