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

My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX I never had a account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this official complaint to get reimbursed XXXX $ from XXXX XXXX and am this complaint also in conjunction of My current financial institution XXXX XXXX Bank XXXX Pennsylvania. I am sure XXXX is operating fraudulent. Upon signing up with their initial paralegal to start proceeding with credit repair I was verbally quoted a specific charge of XXXX $ per month. Then I was contacted by another paralegal to re-evaluate my case. This paralegal quoted a price of XXXX also she said she would transfer me back to customer service to see if they would honor afore said price when I initially signed up for credit repair. I am fully aware that the reason I was contacted the second time was because prior to XXXX charge I had shut XXXX XXXX debit ach for XXXX down. So in turn they reach out again and literally bully me verbally into reopening ACH for a totally different amount per Minth but yet My XXXX XXXX account is being ACH debited from XXXX every two weeks. I dont get it? And then they super imposed my signature to a new contract and XXXX XXXX Believes XXXX. Why? Because XXXX XXXX knows I tried to stop ACH and they are aware that XXXX are literally Robbing people. I wS asked by XXXX XXXX if I wanted to stop transactions on my account? What? And I would be a damn foul to keep that account open so XXXX can go in my account and take more money? The snow ball effect starts then I have more problems with XXXX XXXX overdrafts which are XXXX $ each. 
So very Sincere XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Information on Credit Reports : - XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning the recent disputes I filed regarding identity theft on my credit report.

According to FCRA Section 609 ( a ) ( 1 ) ( A ), I am entitled to a free copy of any information that has been used to support the negative entry in my credit report, including investigation results for disputes raised. Despite my lawful dispute submission, I have not received the investigation results for the information I contested, and more importantly, I have been told that my disputes regarding identity theft are invalid. I find this both inaccurate and unjustified.

Under Section 605B of the FCRA, if a consumer reports that they have been a victim of identity theft, the credit reporting agency is required to block the fraudulent information from their credit report within four business days. In my case, not only has the information not been removed, but I have also been informed that my disputes are invalid. This stands in direct violation of my consumer rights.

Case Law to Support My Position : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In this case, the court ruled that a credit bureau must conduct a reasonable investigation when a consumer disputes information on their credit report. Failure to investigate, especially after a consumer claims identity theft, is a violation of the FCRA. 
2. XXXX XXXX Trans Union XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) The court determined that under the FCRA, credit bureaus must take appropriate steps to ensure the accuracy and completeness of information they report, and failure to properly handle a dispute may result in liability for damages. 
3. XXXX XXXX Trans Union LLC, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) The court emphasized that credit reporting agencies must investigate consumer disputes properly and provide results in a timely manner. Ignoring or invalidating a claim of identity theft is a direct violation of the FCRA. 

I request that you immediately : XXXX. Provide me with the results of the investigation you conducted regarding the identity theft disputes I have raised.

2. Correct or remove any fraudulent information from my credit report that is a result of identity theft.

3. Cease labeling my disputes as invalid and treat them in accordance with my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I went to deposit a check received in the mail for payment for a purchase of a car I was selling. My bank is US Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX. I asked the teller on duty if the check looked legitimate. He said it did and he took it to his supervisor to confirm the appearance and they said it looked good. 
I asked him when the deposit would be available in my account and he said sometimes it may take XXXX or 5 days, otherwise it would be available on Monday ( the XXXX ). 
On Monday I checked online and the check deposit was approved and was included in the available balance. The bank has electronic time stamps in their records that provide evidence of this. The branch manager also verified this personally later when I was in her office and she looked into my checking account. 
So, knowing that the check was approved, I issued money orders from my checking account to pay for delivery of the vehicle to the buyer. This transaction also has electronic time stamps in their records that provide evidence that this occurred after the check deposit was approved. 
The banks security procedures should not have approved the check so quickly since they returned it later. But since they did, it has caused extreme financial difficulty for me with the potential loss of {$3000.00} and the closing of my checking a savings accounts. 
The branch manager has initiated a dispute of the {$3000.00} payment transaction due to failed bank fraud prevention procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

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

In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Product: Debt collection

For CONTRACT CALLERS, INC XX/XX/year> I have no knowledge of and refuse to pay this debt that I AM NOT familiar with at all! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX TRUST UCC 1-308 ALL RIGHT RESERVED WITHOUT PREJUDICE!
Product: Debt collection

There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date :XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   Date:XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Checking or savings account

The account was opened in 2022, the bank name facebank, my dad XXXX XXXX XXXX send me money for savings, in the same year the account recieved a wiretransfer for the same bank but different person, after that a representative from bank called me asking more information about that transaction and she proceded to create the blocker, since that I called several time asking for more information of how to remove the blocker, they only ask me to call customer service, send emails and call over again with no good answer
Product: Debt collection

I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}
Product: Money transfer, virtual currency, or money service

Hello. My name is XXXX XXXX, and my boyfriend 's name is XXXX XXXX. We are both from XXXX and recently participated in the XXXX XXXX and XXXX program. After completing our jobs, we received our final paychecks, but encountered difficulties cashing them. 

On the day we attempted to exchange the checks, it was XXXX XXXX, and all the banks were closed. We were unable to process them before our return flight. As a solution, we asked my cousin, XXXX XXXX, to help us deposit the checks into his Chase Bank account in XXXX XXXX Unfortunately, after the deposit, his account was frozen due to a requirement for verification. 

We have tried contacting the bank, but they do not accept international calls, making it difficult to resolve the issue from XXXX. Eventually, my cousin 's account was closed due to the unresolved status of the check deposit, and we have not yet received our salary. 

We are reaching out to request your assistance in resolving this matter. How can we prove our identity and retrieve the check? Any help you can provide would be greatly appreciated. 

Thank you for your time and support. 

Best regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

SoFi is closing my account because I have been compromised and all my information is on the black web and people are using my information and they say I did not go by there money agreement.this is wrong of them to do customer like this.I still have money in my account and I have a direct deposited coming in next week and it to late to try and have it transferred to another bank. They are saying that I have violation of there money agreement if my account is compromised I dont have any control of it
Product: Vehicle loan or lease

We are late on the payment and Ally Finacial called my wifes ex husbands Wife to attempt to reach us. She is not family or next of kin and this is a violation of privacy to involve someone such as an ex-spouses new spouse who we do not associate with. Dont even know how they got her number in the first place. Ive been married to my wife for 17 years and shes been divorced from her ex since 2000. They never had a loan together with Ally, and for them to reach out to people who arent even family is absurd. When you attempt to talk with Ally Finacial you get a foreigner who barely speaks XXXX. I feel our rights have been violated.
Product: Debt collection

I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with a XXXX diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Product: Credit card

Barclaycard aka XXXX XXXX credit card refuses or lies to cancel my card and stop XXXX XXXX monthly fees despite my request to stop and cancel card since 2019 ... help ... no sense talking to them XXXX and cheat me...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX. 
As of XXXX XXXX it is still on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in regards to Dispute Confirmation # XXXX with Equifax. Their dispute process on fraudulent inquiries is unacceptable. They are required to remove fraudulent inquiries from my credit report as I provided them with an Identity theft report stating this inquiry was the result of identity theft. XXXX removed them immediately but Equifax sends back and automated type response the investigation is closed and saying " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This is NOT a factual record! This fraudulent inquiry needs to be removed from my credit report immediately.
Product: Debt collection

I paid a debt to midland credit management. They sold they debt and never told me. So when i went on the website to pay it they never said it was sold to XXXX, XXXX XXXX XXXX XXXX XXXX. So XXXX XXXX sued me for the debt that was already paid its not my fault they dont communicate. Midland credit management told them i paid it and they still XXXX  my pay. I have proof its been paid off for a year and showed them and still nothing. They wont return my calls or emails and neither company is returning money. XXXX, XXXX XXXX XXXX, XXXX XXXX midland credit management one of them have to give me my money back. They literally are stealing from my pay.
Product: Credit card or prepaid card

On XX/XX/2018 I was supposed to receive my payroll direct deposit. My funds were sent by my payroll department on XX/XX/2018. I have contacted Bluebird by American Express and they are claiming technical issues. When I called XX/XX/2018 I was told it would be fixed and my funds would be received by midnight. Midnight came and no funds, now they are saying they have no ETA on when we will receive our funds.
Product: Debt collection

I was served by Portfolio Recovery Associates. A processor knocked on my door at dinner time to give me papers. It says I am being sued for a debt and I need to attend a pre-trial conference. Failure to attend could result in wages garnished, and asset seizure. First off, I don't even know what this debt is for. Why would I not be notified about this? Additionally, I was the victim of identity theft and I had a number of fraudulent activities against me. So I've been trying to get my accounts back in order and up to date. 

This feels like a scam of some sort. I did a XXXX search about this company and it appears they are well known to do illegal stuff when it comes to debt collection. I want to file a complaint against them for this activity. I don't know if you have a way to stop this lawsuit if it is even real. But I shouldn't have to go to court for something that may not even be mine. It looks like the total amount is {$6300.00}. Although, another document shows {$5300.00}, so I'm not sure what the difference is. It looks like interest possibly. I don't know if this is an open account or closed. If it is open and collecting interest, I have not received a bill or notice. If it is closed, why is interest being collected, and again, why was I not notified? 

Also, the documents I was given, doesn't have my proper first name on it. So again, I don't know if this is even real. But based on the research I did, this appears to be how this company operates.
Product: Debt collection

response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection XXXX : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. XXXX sold the loan to XXXX/XXXX. 

Did XXXX sell my loan after I paid it in full? 

Did XXXX still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
Product: Credit card

XX/XX/XXXX - I filed a disputed transaction report with Barclaycard, regarding an item purchased from XXXX that was never delivered. 
XX/XX/XXXX - Barclaycard issued a provisional credit for the disputed amount. 
XX/XX/XXXX - Barclaycard sent a letter stating that they tried to call me twice to gather additional information ( I don't deny this - I did not answer the calls because I didn't recognize the number and thought they were junk. ) Therefore Barclaycard reapplied the amount of the item to my account. However, the letter stated I could reassert my claim within 10 days of the receipt of the letter and could send additional documentation to support it to an address they provided. The letter was dated XX/XX/XXXX but I received it on XX/XX/XXXX. 
XX/XX/XXXX - I mailed a letter to Barclaycard to the address they provided reasserting my claim. Documentation was included. 
XX/XX/XXXX - My letter was returned unopened, marked " Return to Sender/Attempted - Not Known/Unable to Forward/Return to Sender. '' XX/XX/XXXX - I contacted the Barclaycard Dispute Department and was given a different address to mail the paperwork to. They gave me instructions to formally request for the case to be reopened. I mailed the letter the same day. 
XX/XX/XXXX - Barclaycard sends a letter denying my claim, stating " We are outside of the permitted timeframe to continue this claim through the dispute process. '' XX/XX/XXXX - Barclaycard unexpectantly sends another letter stating, " we are pleased to notify you that we have resolved your billing dispute with XXXX in your favor. You will see a credit of {$280.00} on your next billing statement. '' XX/XX/XXXX - The credit does not appear on my next billing statement, so I call the number provided by XXXX for help. They say the issue is " being escalated to the back office team '' and to look for credit to be applied soon. 
XX/XX/XXXX - The credit does not appear on the next statement. I call Barclaycard again. I am told, " rest assured you have won your case. Credit will be applied. Please continue to wait patiently. '' XX/XX/XXXX - XXXX months later the credit still has not been applied to any statement. I called Barclaycard. The representative says he sees nothing in the system regarding their letter of XX/XX/XXXX and wants me to mail in a copy of it. I refused and demanded to speak to a supervisor. The supervisor acknowledges they sent the letter, and said the credit should be issued in XXXX week. 
XX/XX/XXXX - As I write this complaint, no credit has been issued. 

Thank you for taking this complaint against this company, who is giving this long-time customer the run-around for no apparent reason. This business practice needs to be stopped for the good of all consumers. I have documentation of everything referred to above : the letters Barclaycard sent, copies of the letters I sent, the returned envelope, post office receipts, notes from phone calls with the names and ID numbers of the Barclaycard representatives I talked to, as well as documentation from the original transaction with XXXX and their delivery carrier XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX "