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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Transunion confirmed that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the Deputy Clerk stated that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : Employer : XXXX XXXXXXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me XXXX, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following but forgot to attach a document. I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for XXXX reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error, would rather extort a settlement from me, and dangles poor credit over the heads of consumers..
Product: Debt collection

I have tried to get in touch with The CC company, the debt collectors and the law group that now has this case on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This has been on going issue since XXXX. I have requested documentation from XXXX, XXXX and now Ratchford Law Group regarding this account. 

I am sending this letter XX/XX/XXXX as well as attached communications from the last few months of my attempts to contact you to resolve this. 
Please get in touch with me via postal service e-mail or via phone to resolve this account and send the documentation listed in the attached validation letter that you told me you were sending out on XX/XX/XXXX when we originally spoke for the first time on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent in a letter to requesting Equifax to verify a Bankruptcy they are reporting on my credit report. As of XX/XX/2023, I have not been notified of any results into this investigation. According to the FCRA, Credit Bureaus have within 15 days to respond to a consumers request for verification on accounts. Equifax has definitely violated my rights as a consumer because it has been 45 days passed the required response time. I requested this Bankruptcy to be verified from Equifax because I received a signed and sealed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of the accounts listed below, which have been compromised due to a data breach. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts listed be blocked and deleted from my credit file. 
The accounts in question are : XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$26000.00} XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$760.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have an account with a company called self lender. This is used to build credit history. The way it works it I pay them a monthly amount of {$25.00} and at the end of 24 months my Money is returned to me. During this period they report those payment to the credit bureaus. near the end of XXXX I was hospitalized due to sickness and thought my payments were on auto pay. It recently came to my attention that there is a 30 day late payment reporting to the bureaus. All of my past months are paid up and this was a one time occurrence. Being that I was hospitalized I was not aware they didnt auto deduct the payment from my account along with the fact that I wasnt able to contact anyone to resolve this issue. My account is in good standing but the presence of this late payment on my credit is bringing financial hard bearings due to the fact that it has tremendously impacted my score. This company is supposed to help peoples credit but now it is doing the opposite for and I dont feel as if its right! I pride Myself on my good payment history in managing my finances and this situation is really affecting me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!
Product: Credit card or prepaid card

My name is XXXX XXXX and on XX/XX/XXXX my relicard account was switched To inactive. Id only been aware of it because I tried ordering food and was declined multiple times. Id been told that due to me changing my address I needed to send in my State ID and a piece of mail that had both my name and address. Thursday of the following week I sent in all the items they needed and was told to give them five business. They also said I could check in sooner because its possible it could be done before that. 5 business days go past and still theres no difference in the account. Ive waited for hrs and Ive talked to multiple different customer service reps and they give me the same answer. Ive been without my funds for 2 weeks now. There should be a better  process to things like this. This is wrong.
Product: Credit card or prepaid card

I switched from a bank to a credit union in XXXX. I was planning on making two payments in XXXX for the XXXX payment. When I did so, one payment had gone through ( via the credit union ), but the additional one had not ( via the bank ). The additional one got returned. 
I called in XXXX, got the payment reversed, and was told that my account was set up properly with only my credit union on it. 
In XXXX, I called again as the payment got returned for the closed account. I had been told that they would let me pay over the phone, and assured me that the bank account was no longer attached to the account. 
In XXXX, I had the SAME issue. They said they removed XXXX " behind the scenes '', and I would no longer have this issue. I paid over the phone as they said that it would take a couple of weeks for me to be able to pay online through their site. 
It is now XXXX. Both of my autopayments have gone through without issue, nothing when I login to my credit card account shows that I have any issues. I tried to use my cards at stores, but they were declined. I made a call today to find out why. ( Want to reiterate that I called them, I did n't wait for them to call me. ) I was on the phone with a rude, condescending woman. She kept telling me that it was my fault it had come to her attention. She told me that it was her job to ask me hard questions like why I did n't pay. I was more than willing to give her that information because I want to know when I can stop having to call each month! After about 30 minutes on the phone with her, she put me on hold for about 10 minutes to consult with a co-worker as she was also not able to figure out why my account was closed. 
She came back on the line, and said it was because of the payment not being resolved in XXXX. I asked her why this was not resolved as I had called the past 4 months. Also, what can I do to get it resolved. She stated that they could pull my credit, there would be a hit against my credit, and that I would probably not be able to get it opened again since they already had closed it, but she could try. Again, she blamed me multiple times. I get that things had escalated to the point that it had become my fault, but I was n't looking to blame them, and I sure did n't need to be blamed for something that I was trying to get resolved! 
She interrupted me multiple times, talked to me slowly like I was an invalid, and told me multiple times that she had " figured it out '', but not actually how to remedy the situation. 
I have been in a customer service role, and I know that there can be very trying people. I know that with credit card companies, there are people calling in to try to pass the buck or get away with something. I just wanted straight forward answers. I asked how I could escalate this, and she said ( again ) that she could run my credit, or I could talk to her supervisor. After being on the phone with her for close to an hour, having been my 4th call in so many months, I have decided just to close my account that I have had for the past 22 years.
Product: Credit card or prepaid card

American Express offered me XXXX Membership Rewards point if I turn on " Pay over time '' feature for my Gold card. However, It has been two months and American Express has not honored this promotional bonus. I contacted customer services twice and they claim they are still investigating.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX, around XXXX, Chase Bank restricted my accounts ( both checking and savings ) and informed me that they will close my account soon, but did not provide any reasons for that. The specialist told me that we after the account is officially closed, they will send me the check for the funds in my account in 12-15 business days. 

On XX/XX/XXXX, my accounts were officially closed. Since the official closure, I made numerous phone calls to Chase Bank, and the information provided by the specialist is not consistent and makes them untrustworthy. It has been for 16 business days and 23 calendar days since then, I made a phone call to check the updates yesterday, the specialist replied that they were still reviewing my funds and could not provide a specific date when they could finish the work. 

It cause serious inconvenience to my life, and they still continue to delay the date of sending me the check.
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account.

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false.

Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken.

Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ). 

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures. 

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent. 

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing. 

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Transunion failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX  ) And, XXXX. Transunion still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry ) This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

Please remove the fraudulent collections account and the XXXX inquiry and the attached documentation supports this complaint.
Product: Credit card or prepaid card

I opened this credit card ( The Children 's Place, XXXX XXXX ) in XXXX, and made a purchase. At the beginning of XXXX, my family contracted XXXX, I was the first. I was unable to move for several days, and became severely XXXX. I eventually had to go to the XXXX XXXX for help. We are a family of XXXX, and it took us 2  months to get through XXXX, with my husband also ending up in the XXXX XXXX. Needless to say, I was unable to pay any of my bills during this time. Thankfully, most of my other bills are on autopay, but this was a new card, and I had not had a chance to set it up. 

When I called, I have been charged 2 late fees. One of them was waived, the other I had to pay, even though this was due to a circumstance that most companies are being more lenient with. I told the representative that I wanted to just pay the full amount and be done with it. The representative took my payment and said the account had a XXXX balance. 

I sent a letter to the company, asking the late payments be removed from my credit report, as I am in the process of purchasing a house. It was denied, again, even though the cause of the late payment was XXXX related. 

I received a couple more statements in the mail, but did not open them, thinking they were just {$0.00} statements, as I had paid everything in full. When I opened yet another statement today, there were 3 more late fees added. 

I called and spoke with an incredibly rude customer service representative who then transferred me to a supervisor. The supervisor waived 2 of the late fees, and I had to pay an additional {$47.00} in order to again bring this account to XXXX  balance. I requested the account be closed immediately.