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

Months 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 include it again. Kindly correct or delete the following items : XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

There are 3 accounts being reported on my credit that are not mine, therefore I had an identity theft and the bureaus have not shown me through documents signed by me that those accounts are mine, these are the following : 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 XXXXXX/XX/year> I have previously sent letters to the bureaus without any response. 

Thank you for your patience and I would appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.
Product: Checking or savings account

On XXXX the XXXX I activated my newly debit card and was in the process of placing a transaction to only have the card declined numerous times in different amounts. I contacted the fraud department twice to be told that the issue was resolved. While on the call with the second representative I attempted the transactions again for them to be declined again. The representative requested that I call back at a later time or try to lower the amount of the transactions. The transactions should have been processed as the funds were there and nor as a customer do I feel the need to call back and speak to another department when the transactions were not fraudulent. I was also told to give them time since they reset my card. This is completely unacceptable. Not to mention I requested a supervisor about 15 times and never got one. Ive had several issues with this bank over the last year which is the reason I will be taking my business else where. How do I have a debit that I was only able to use for a mere 30 minutes and now no one on your team has sense enough to resolve the issue
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Specifically, a fraudulent account has been opened in my name without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and permanently deleted from my credit report. 
Below are the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$9400.00}
Product: Debt collection

XX/XX/XXXX {$1300.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$840.00} was reported being owed to XXXX Virginia XXXX XXXX. 
XX/XX/XXXX {$1800.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$150.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$360.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$430.00} was reported being owed to XXXX XXXX XXXX. 

On XX/XX/XXXX I called Credit Control Corporation XXXX XXXX XXXX, VA XXXX XXXX ) and informed them that I had previously disputed this information via XXXX as this debt does not belong to me, but my dispute was unresolved due to there not being enough supporting information. Once I provided my name, she said " that appears to be a really common name, can I have your date of birth ''? after providing her with my birth date, she says " hmmm, that didn't narrow it down much, lets search by your social security number. '' So it is obvious that there are multiple accounts with the same name and date of birth as mine. I asked them what they needed of me, and was told that the debt is obviously mine, and I must have just moved from XXXX XXXX, where they sent my bills. I then informed the woman I was speaking with that I have never even lived on a XXXX XXXX She asked me for my current address and said she would be happy to send all the bills to me, but that is all. 

In XXXX, I encountered Identity theft. My debit card was " skimmed '' according to the police department, since I still had physical possession of it. Then, when tax time came around, I received a bill from the XXXX with my name on it in addition to a " XXXX XXXX '' whom I have never even heard of before. I filed an ID Theft report with them, and they fixed that for me as well. Now, I am having all of these medical bills show up in my collections history for XXXX 's offices that I have never even been to. I have asked multiple times for them to send me proper correspondence showing that it was " actually me '' that obtained these services rendered, and to no surprise none of that is produced for me. I am trying to purchase my first home, and my banker said even though these accounts are showing " closed '' there are still balances behind them, which is preventing me from obtaining my XXXX loan. She suggested reaching out to whomever I can to figure it out.
Product: Credit reporting or other personal consumer reports

OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
EXPERIAN ; XXXX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

XXXX : XXXX : XXXXXXXX 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 XXXXXX/XX/XXXX CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
EXPERIAN ; XXXX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

ACCOUNTS : Account Name Account Number XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and XXXX to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.
Product: Credit reporting or other personal consumer reports

Ive been complaining about this account reporting to my credit report for XXXX months now and have not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX ( Account number XXXX )
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  2022 and XXXX  2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

This company continues to close complaints. This company has not addressed any concerns I have with the company.

This company 's Terms and Conditions do not include details of what they charge for return fees.

This company 's employees/representatives are giving false information and the company 's employees only state what they are told to state even if what they are told to state is false. The representatives become aggressive over the phone making my client to feel uncomfortable.

This company is telling me to speak to their attorney instead of actively resolving the concerns I have with the company.

The company evades all responsibility for their violations of my consumer rights.

The forum for all communications shall be through the Consumer Financial Protection Bureau portal. Stop closing Complaints just because you don't want to deal with handling them.
Product: Checking or savings account

On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.
Product: Debt collection

I owe money on my Sam 's Synchrony Bank Mastercard. I am in a debt management plan with XXXX to help make the payments. I constantly am receiving phone calls at abnormal hours of the week, such as on the weekends and at night time claiming to be collection calls, but then when we pick up the phone, no one answers. So, someone there is stalking us via the telephone.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My letters and efforts are being continuously ignored regarding inaccurate and unauthorized items that are being reported on my credit report.
Product: Vehicle loan or lease

I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account. 

This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full. 

I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies. 

I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.
Product: Student loan

Navient keeps calling my parents looking for me and college debt. I didn't borrow for college. I called them on XX/XX/XXXX, and gave them my info. Their reply, you have NO loans. We will take you off the call list. They admitted they get the numbers by XXXX person and city. I asked for confirmation from supervisor. gave them 2 emails addresses. NOTHING. Now they are calling again less than a week later.

FYI. kids college loans are paid off too.

WHAT GIVES??
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to address a concerning discrepancy in my credit report. I was dismayed to find that an item that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report. 

It is important to note that these items in question are a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. 

I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this issue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my credit profile. 

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX