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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Credit reporting or other personal consumer reports

I recently disputed these account on XXXX XX/XX/year> and received notice that my account have been updated. I would love to know how Experian completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. I am very interested to learn how your investigators arrived to this erroneous conclusion. 

XXXXXXXX XXXX XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late XXXX XXXX XXXX XXXX XXXX Never Late XXXX Never Late
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Fraudulent Credit Inquiry Pursuant to FCRA Section 605B Dear Sir/Madam, I am writing to formally demand the immediate removal of a fraudulent credit inquiry that has been erroneously reported on my TransUnion credit file. This inquiry was neither authorized nor initiated by me, and as such constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Pursuant to this section, I request that you take swift action to block the fraudulent inquiry from my credit report without delay. 
Details of the Disputed Inquiry : XXXX XXXX inquiry date XX/XX/year>2025 In compliance with the FCRA, I am providing the following supporting documentation to substantiate my claim : 1. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report.

2. A copy of my government-issued identification and A copy of my Social Security card.
Product: Debt collection

hi my name is XXXX XXXX and my wife name is XXXX XXXX. Me and my wife was XXXX Global client solutions debt-relief service client. my wife XXXX XXXX she got money back still I did not get any money back or hear anything from cfpb. so some can help me to what can do now. its was same time we was paying global. mission global solutions only took money they never settle anything.so I thing I can expect to get my money back too.
Product: Debt collection

I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted the Transunion fraud department to dispute fraudulent inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to clarify that I never provided consent for these institutions to pull my credit report. Additionally, it's important to note that I have a fraud alert on my account requesting direct contact before any credit applications are processed, a protocol which I was not notified about in these instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Re ; XXXX. When I tried to opt out of receiving ads by properly filling out the online form, I was not allowed to proceed. The information was correct. I did this multiple times, to no avail. Very frustrating!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have not signed nor consent any other contract with my student loans besides XXXX in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called XXXX has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit card or prepaid card

I was supposed to get a Way2Go card with my second Stimulus check on it but it never cam.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Mother has XXXX and threw out her credit cards in XXXX XXXX as of the XX/XX/XXXX statement, this USBANK account had a credit balance of {$420.00} on it. I am her son and have power of attorney. I called US bank to close the account and have them send a check for the credit balance. I spoke to them on the phone in XXXX with my mother on the phone and they agreed to send the credit balance and close the account, but by then had assessed {$81.00} in fees for " Non-Payment '' on an account with a positive credit balance, so mailed us a check for only {$340.00}. After this, they did not actually close the account, and continue to assess additional fees. there has been no usage on this account since then. On XX/XX/XXXX I faxed in my power of attorney docs and am attaching fax reciept of the transmission, but they have no record of receiving the POA docs. The current balance on the card is now {$420.00}, with is entirely fees and interest assessed after I notified them that we wanted the account closed and they sent us a check for the credit balance. US Bank wont discuss the account with me and state no record of POA on the account.
Product: Credit card

I have a refund on a XXXX airline flight that was purchased with Chase XXXX. They owe me the money for the refund amount of {$800.00} since the money transfer process is completed from XXXX 's account. The refund was bounced back to a Chase mastercard that I do not owe- its a corporate MasterCard. I have been in contact with Chase XXXX to locate this refund for 2 months without success. The Chase customer service is unhelpful and unresponsive. I have tried to contact them through X ( XXXX ), filed a complaint with Chase, and called them 5 times already. Each call ends with a scheduled call back that they never end up doing. Chase bank owes me the {$800.00} with interest since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have 0 inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a Business Credit card inquiry for Bank of America on my credit report. I did not authorize this hard inquiry.
Product: Credit card

Every time I dispute a claim with cashapp they tell me that they believe the the other business instead of me and tell I just got scam and if I pay with my cashapp card and return my item back to the store and they tell me that there going to refund my money back to my cashapp card I never get my money back!!!
Product: Credit card

Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing.
Product: Debt collection

In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.
Product: Credit card or prepaid card

I signed up for a Bank of America XXXX XXXX XXXX Credit Card and was offered {$200.00} if I spent {$500.00} on this line of credit during my first 90 days of being a cardholder. Because of this, I ended up financially stretching myself because I wanted to receive the sign up offer. After completing the qualifying purchases and verifying with a banker, I was told the sign-up bonus was inbound. Of course, I never received it. I have contacted numerous BofA branches and they act like they do not know what I am talking about.
Product: Checking or savings account

On XX/XX/2024, I transferred $ XXXX from my XXXX by Goldman Sachs XXXX account. By XX/XX/2024, XXXX locked me out and asked me to call them. I verified my identity with a telephone operator using my name, XXXX, XXXX, and secret word. I was then transferred to a XXXX who needed to verify my phone number via a PIN, but my number was deemed " not eligible. '' The XXXX then requested my driver 's XXXX ID, but XXXX  was not on their list. Without verification, I was told to call back in XXXX business days. 

On XX/XX/2024, after XXXX business days, I called again at XXXX XXXX  XXXX. The process was the same : verification issues with my phone number and driver 's license, and I was told to wait another XXXX days. On XX/XX/2024 at XXXX XXXX  XXXX, the same issues arose, and I was told my case was still under review and to call back after another XXXX days. I expressed frustration about the repeated waiting periods, and the XXXX advised calling directly in XXXX days. 

On XX/XX/2024, I called again at XXXX XXXX  XXXX but was told to wait XXXX more days. I was advised to use a relative 's number for verification and to contact a supervisor after XXXX XXXX. On the same day, at XXXX XXXX  XXXX, I provided my partner 's number, but it also failed. I was again told to wait XXXX days. 

After XXXX XXXX, on XX/XX/2024 at XXXX XXXX  XXXX, I called for the sixth time. The process repeated, with issues sending a PIN to both my and my partner 's numbers. I requested to speak with a supervisor. The supervisor had no additional information, couldn't contact the reviewing department, and couldn't provide a timeline. I was told the back office handling the review does not take customer calls. Despite XXXX calls, there was no progress or communication about when my issue would be resolved. Every single time I was fooled and asked to come after XXXX business days. This ongoing lack of access to my funds has been causing significant mental stress and frustration.
Product: Debt collection

Portfolio Recovery Associates _ XXXX and charge for {$290.00} I recently discovered two charges on my credit report, published by XXXX XXXX, totaling approximately {$200.00} and {$1500.00} respectively. These charges are fraudulent and were disputed via XXXX XXXX in an attempt to have them removed. However, disputing them reset the timer on their reporting, resulting in them being published as new on my report for an extended period. This however, should not have occurred since the processing went through XXXX. 

In an effort to resolve this issue, I reached out to Portfolio Recovery through certified mail on XX/XX/2022, requesting information regarding the issuing party and proof of my ownership of the disputed charges. Unfortunately, I have not received a response from them. I have also sent two emails in XXXX, but they remain unanswered. 

It seems that Portfolio Recovery is aware that the charges are fraudulent but has failed to respond to my attempts to clear my name. As these charges are affecting my credit score, I am requesting that they be dropped from my report immediately. 

Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

On XX/XX/2020 I purchase an airline ticket from XXXX XXXX with Chase credit card for the amount of {$1400.00} for my father. The flights got cancelled and on XX/XX/2020 I called the airline company for a refund so that I can purchase another ticket through another airline. They assured me that I would get a refund. They also requested me to submit a feedback survey for the refund which I did. I never heard back and/or received a refund so I disputed the charge with Chase on XX/XX/2020 letting them know this exact situation. One my last statement on my Chase credit card dated XX/XX/2020, Chase recharged my card. I called asking why this happened and they told me that this was a valid charge. I asked that these flights had been cancelled and that the merchant had promised a refund. They told me to fax in a letter and any supporting documents to re-dispute this charge. I still don't have this charge removed and/or re-disputed on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with yall about an account that you guys have furnished on my credit report. As a result of my dispute, yall said the account was to be removed from the credit bureaus within 60 days. It has been well over 60 days and this account has still not been removed. 
CREDIT ACCEPTANCE CORP XXXX Balance : $-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX