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

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy. 

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These account belong to someone else, Please investigate and remove these accounts.
Product: Debt collection

*Mailed a letter requesting the information below and only provided the information attached to the complaint. 

1.Agreement with your client that authorizes you to collect on this alleged debt. 
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3.Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
XXXX. Provide proof of license and bonded to collect in the state of Illinois.
Product: Debt collection

I work for a company, I am an employee, not an owner, partner, or principal. XXXX XXXX at Southwest recovery services is threatening to have the debt attached to my personal credit, stating that he knows my Social Security number, even going so far as to read the last four digits back to me. The debt he is calling about is a debt related to my employer. He is repeatedly calling, with abusive, demeaning and threatening statements.
Product: Credit reporting or other personal consumer reports

They have initiated a fraud alert even though I specifically said I don't want it.
Product: Debt collection

My medical debt was transferred to the company XXXX XXXX XXXX. I was called by the hospital and given the information through them. I used this information to contact the company. When I got a hold of the company, I was told there was no online payment system and that they were not allowed to email me information. I was never sent a verification of debt nor did I know I had the right to request it. I set up autopay over the phone. I was told that interest would be collected and that the percent would change month to month based on my current balance. At one point, I requested an itemization of the debt and a verified payment history. I was told they could only send me the payment history. It never got sent, and I had to call back weeks later to request it again. This agent informed me that I did have access to an online payment system where I could see my payment history. After logging in, I found that the online account has no payment history shown and no other information available. I received an accurate payment history through the mail, but the interest was only labeled as " XXXX ''. I paid off the debt today and tried to request a full payment history which correctly labeled the charges as interest payments. I was told they had no way to give me a breakdown of the principle vs my interest, and she ignored my request to label the charges as interest payments. The agent very rudely asked me why I needed it which I feel was unnecessary. I had an overall very bad experience with this company and feel that they should be more honest with the people they are collecting from and keep better records of the interest they are collecting.
Product: Checking or savings account

On XX/XX/XXXX or XXXX XXXX my business cell phone and Debit cards also my identification were stolen from my XXXX XXXX. Someone was able to access my phone and also access my debit card and withdraw all the money out of my account using gift cards I reported the fraud To Navy Federal credit Union and they denied my claim before I could even submit a police report. I have now submitted the police report and Im waiting for them to overturn their decision. I never leave my information or pin laying around, so I do not know how they were able to obtain my money
Product: Credit card

My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time
Product: Checking or savings account

My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I submitted CFPB Complaint ID XXXX regarding the hold placed on my Paypal funds. On XX/XX/2020 XXXX XXXX from Executive Escalations at Paypal responded saying " We will make any remaining funds, less reversals, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. '' That date has now passed and I am unable to withdraw my funds, and no email has been sent to me indicating they are available for withdrawal.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.
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 your Credit Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I want to emphasize that I am fully aware of the legal implications of threatening legal action without intent, and I want to make it clear that I am entirely serious about pursuing a lawsuit against your company. Despite multiple requests from me to investigate and rectify all inaccuracies on my personal credit profile, you have consistently failed to take action. It is my understanding that under the law, you are obligated to honor each and every request to investigate incorrect information, yet you have disregarded all of my previous appeals. 

As I've previously stated, this is my final plea for you to fulfill your obligations under the FCRA. If this final request fails to prompt a proper investigation into the accounts in question, I will have no choice but to file a lawsuit against your company in XXXX XXXX where I reside. This will necessitate your presence here to defend yourselves. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1692g COLLECTIONS NEED TO BE REMOVED FOR MY ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1681S-2 CHARGES OFF NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1666B ALL LATE PAYMENTS NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ALSO MY LEGAL TEAM HAS ALREADY STARTED FILING LAW SUITS FOR EACH VIOLATION FOR EACH CREDIT BUREAU.CFPB ALREADY KNOWS ABOUT MY INFORMATION BEING LEAKED/STOLEN/USED FOR FRAUDULENT ACTIVITY SO I AM ASKING YALL TO PLEASE USE THE AUTHORITY YALL HAVE AND MAKE THESE REPORTING AGENCY 'S ABIDE BYE OUR US LAWS AND GET THIS FRAUDULENT ACTIVITY OFF MY CREDIT REPORT IMMEDIATELY.THANK YOU ACCORDING TO 15 USC CODE
Product: Credit card

On XX/XX/2024 I wrote a City Bank check payable to XXXX XXXX Bank for the amount of {$1400.00} dollars and this check never was paid to XXXX  XXXX bank instead was paid on XX/XX/2024 to a person name XXXX XXXX a mistake ( fraud ) done by a city bank I call several times to city bank and they told me that they will fix the problem and I should get credit back on my credit card this was 3 months ago now they told me that that case is close and I have to to pay them that why I'm filling a complain
Product: Credit reporting or other personal consumer reports

I filled out a FTC identity theft report on XX/XX/XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and hard inquiries that strongly indicate fraudulent activity and has not been remove yet. I did not initiate or authorize these entries, confirming my status as a victim of identity theft, the unauthorized account and inquiries are attached in the Identity theft report I have uploaded. 
Both FTC from XX/XX/XXXX and also XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I noticed a while back on my credit report from Equifax that I have two exact same accounts reporting on my credit report. I have tried disputing seperately because there is not a way to bundle for duplicate reports.Equifax did not catch it was on my report twice either. I couldn't put into words that I had two exact accounts on my report for XXXX XXXX with the exact info and account number reporting twice. I have uploaded documents from my credit report showing same account number with same data furnished twice side by side below one another. I believe my rights have been neglected and violations of the Fair Credit Reporting Act proven. To dig deeper you can clearly see dates opened XX/XX/XXXX on both profiles, date of last activity XX/XX/XXXX and same credit limit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner.
Product: Money transfer, virtual currency, or money service

I have been trying to link my TD Bank account to XXXX and the bank is refusing to allow this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate information This letter is to address the following credit bureaus, Transunion, XXXX and XXXX. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed from my credit report.
Product: Debt collection

This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having some difficulty with Equifax as they are the only company reporting these adverse information that I will list below, one they take very long in replying to disputes, and the outcomes as been Luke warm at best even when Ive supplied numerous documentation to support my claims, Ive sent them documentation saying a creditor as agreed that the account was to be removed because it does not belong to me and the letter came from the furnisher and it seems as if it was overlooked, now I know they have a difficult job and a lot going on but in all that I just need my credit profile to be handled correctly ... 

The folling accounts was disputed and asked to be removed, because these companies have told me they have no information and have asked for the account to be removed for some reason Equifax have failed to complying : I NEED THESE XXXX ACCOUNTS OFF MY FILE 1.XXXX XXXX {$580.00} 2. XXXX : {$0.00} charged off company says they are new and do not know about this debt, its with XXXX XXXX and they are not associated any more 3. XXXX : this company sent a letter and I sent it to Equifax and still nothing as far as deletion {$490.00} 4.XXXX XXXX XXXX  XXXX XXXX XXXX this company agreed to remove this account {$0.00} 5. XXXX XXXX XXXX : this company agreed to remove this account {$0.00} 6. XXXX XXXX : this company said they sold and are associated with XXXX XXXX {$0.00}, told me they cant verify the account and it should have been deleted ... 

***** the issue is I sent supporting documentation to equifax proving this information is reporting no where else but with them everyone got the memo but Equifax, I think E-OSCAR VERIFICATION is causing them some problems, they need to manual review my dispute and manual look at what the creditor is replying to ; codes do not work .... Ive relentlessly contacted equifax and I need the matter to be resolved
Product: Checking or savings account

Called and went in person to TD Bank in XXXX NJ to close my account for past three months. Company continues to charge maintenance fee without closing account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several negative items and inquiries appearing on my credit report. These entries are inaccurate, unauthorized, and their continued reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, I was affected by the Equifax data breach, which has further exposed me to potential identity theft and fraud. 

Below are the details of the items I dispute : Negative Items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( appears twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reasons for Dispute : Inaccurate Reporting : These items do not belong to me, and I have no accounts or agreements with the listed creditors. 

Failure to Investigate : Per the CFPBs recent enforcement action against Equifax ( XX/XX/year> ), your agency has been found in violation of the FCRA by failing to thoroughly investigate consumer disputes. This raises serious concerns about the validity of these items. 

Potential Identity Theft : As a victim of the Equifax data breach, I am concerned that the inaccurate items and unauthorized inquiries on my report may result from identity theft or errors. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. Additionally, under Section 605B of the FCRA, these items must be removed within four ( 4 ) days of receipt of this dispute. 

I am requesting the following actions be taken within 30 days as required by law : Verification of Negative Items : Provide documentation from the furnishers of the disputed items verifying their accuracy, including signed agreements, account statements, and proof of liability. If such documentation can not be provided, these items must be deleted immediately. 

Removal of Unauthorized Inquiries : Since the inquiries listed above were not authorized by me, I demand their removal from my credit file. 

Confirmation of Resolution : Notify me in writing once the investigation is complete and provide an updated credit report reflecting any corrections. 

Enclosed with this letter are copies of my identification ( e.g., drivers license ), proof of address ( e.g., utility bill ), and a copy of my credit report with the disputed items highlighted for your reference. 

Please be advised that failure to comply with this request may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, or pursuing legal remedies for damages caused by inaccurate reporting. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

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

Data Breach information was compromised. Don't recognize account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/year>, XXXX purportedly sold account number XXXX to XXXX XXXX. XXXX indicated that the account was charged off, and {$1900.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.