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

I contacted the Child Support Agency 2x from XX/XX/XXXX- XX/XX/XXXX and each time they said this account has been closed since XX/XX/XXXX and they will submit information to the credit agencies to remove this information from my account because it is paid in full. Experian credit agency never investigated anything. I have also requested this information from the child support agency and they said because this account has been closed for so long it has now been Archived and the wait for me to receive this information could be substantial. Either the reporting agency never investigated by submitting this info to child support or never investigated the so called findings from child support to assure accurate reporting on a consumer 's credit report. per 15 USC 1692. In addition this account had been opened in XXXX, again showing the lack of investigation done by anyone because this account should have been removed years ago.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I reached out to the bank promptly filed a police report my card was used out of state and in places I have never been. I contacted my bank instead of XXXX XXXX  the dispute they sent me a notice that I made purchases at these merchants which was not factual. 

They sent no information of how they reached this inaccurate conclusion and refused to protect me in this instance
Product: Debt collection

On XX/XX/XXXX this company contacted me threatening to damage my credit if I didn't pay the debt they said that I owed. I was only 20 at the time, and I think they took advantage of me by threatening to damage my credit and threatening that I would never be able to lease another place to live. 
I entered into a payment plan with them out of fear, although I specifically told them that I never lived in XXXX and that my identity was stolen the prior year when my moms car was stolen from the side of the road, while on a trip to XXXX. They pressured me into an agreement although I knew the debt was not mine. 
Later in XX/XX/XXXX, I began to dispute the account and show proof that my identity was stolen by presenting the police report, but this company continued to say that the debt was mine and they would not remove the collection from my credit report. I have been disputing this account and asking for validation of debt on dates XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and continuously through XXXX and XXXX. Through research I have now learned that this company is not licensed to collect debt in the state of Florida and therefore can not collect this debt from me.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

MACYS/DSNB XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

Experian has continued to report false information on my credit report. According to their own statement they have to submit accurate information and under the FCRA they have violated my rights continuously under 15 USC 1681b, 15 USC 1666b and a slew of other XXXX codes. I will be seeking monetary relief for each violation for {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC XXXX Part XXXX, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$100.00} XXXX  Date Opened XX/XX/XXXX Balance {$10.00} XXXX Date Opened XX/XX/XXXX Balance {$940.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$9500.00} XXXX  Date XXXX XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$88.00} XXXXXXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX {$640.00} XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$720.00} **Inquiries** XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Went to payoff my Auto loan. Upon making payment I was prompted to take an free Spirit Credit card. Was unable to move to pay-off screen via the mobile app. Finally was able to make payment and received a congratulations splash stating i was approved for a new credit card. Card welcome package sent to my home and account is now noted on BOA 's system. Hav not activated nor did I apply. 

Unable to reach representative vis phone the general curse service number. When calling number on welcome package, i receive a prompt to activate and unable to reach a representative by depressing XXXX or verbally. 

I do not wan the card nor did I apply. I wan to ensure there is no credit inquiry and want the account closed w/ no indication one was open on my credit reports. 

This is a deceptive practice. Interesting that I was never offered a card during any of my auto payments over the last 48 months ... but given one w/out consen during my final payment w/ this company
Product: Debt or credit management

A XXXX named " XXXX XXXX '' called me and got my social security information and then they took around {$600.00} out of my savings account
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report, not proof of verification was sent to me as proof that these accounts belong to me. My credit report is still reporting an accounts for XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. I demand that you remove these accounts from my credit report. I am trying careful notes and will have to file a sue if the accounts are not removed. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act Convergent these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights
Product: Credit reporting or other personal consumer reports

I requested that RMS OMEGA send me a copy of there bond proving there allowed to collect a debt in my state. As well as method of verification and verification of this account. I spoke to multiple representatives who tried to use deceptive tactics into falsely verifying this accounts and they provided no method of verification or any documentation that was requested pursuant to fcra or usc, ucc laws
Product: Credit reporting or other personal consumer reports

I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is XXXX XXXXTrans Union did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please
Product: Checking or savings account

There was an unauthorized transaction in the amount of {$2300.00} on XX/XX/2020 from company named XXXX XXXX. I have no knowledge of the transaction and did not authorize this charge. I disputed this charge with Citibank already, but they ruled in the opposing parties favor. I am 100 % sure this transaction is not mine, please assist in fixing this issue.
Product: Checking or savings account

CFPB, I am writing because I am very upset with the information that I have been getting from Chase Bank and XXXX XXXXXXXX regarding my direct deposit. The deposit was supposed to sent to my account on Friday from XXXX  XXXX and I even double checked with them for clarity to make sure that this was sent. Its extremely important that I am able to have access to my funds. I have been waiting very patiently to receive my funds and I no longer have the patience anymore. Something needs to be done about this. This isnt the way to be treating a consumer. This is just so wrong on so many levels. Please help me.
Product: Payday loan, title loan, or personal loan

I applied to Bethpage credit union for a line of credit. I could not get into sign documents. I emailed them 3 times about this. No reply. So I never signed the documents, yet they somehow checked my credit report, with no written authorization. We could not come to an agreement on a payoff item. So I ended up canceling my request. They wanted me to pay at at closing an unsecured loan that was at least 2.5 point lower then their rate, and would not substitute payments to Higher rate credit cards. no I worry that they would say denied when it was I who cancelled. And how do you check credit, which was good anyway, before you get authorization. I found their behavior very unprofessional. people should be aware of how they operate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information. 
Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met. To resolve this matter, I require the following : Immediate correction of the inaccurat
ely reported account ( s ) on my credit report to comply with the FCRAs standards. 
Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX XXXX
Product: Checking or savings account

I opened a new relationship with Citi Bank during a promotional period in which I was promised {$1500.00} if I maintained a $ XXXX balance for 60 days. During that 60 day period, I scheduled a future mtg payment ( also w/ Citi ) for XXXX on XX/XX/XXXX. Although the payment was scheduled for XXXX, it was debited on XX/XX/XXXX w/o my authorization. As a result, my balance dropped below $ XXXX for a short period of time and I lost the {$1500.00}.

I believe the early/uauthorized debit of my account by Citi was an unfair practice under UDAAP for the following reasons : 1 ) It caused harm ( lost {$1500.00} ) 2 ) The harm was not reasonably avoidable. I reviewed the payment confirmation page again and it does not disclose the fact that the payment will be debited immediately when scheduling a future payment. 3 ) The harm is not outweighed by countervailing benefits for the consumer.
Also, worth noting that I did contact Citi immediately when the payment was debited to inform them of the error and to cancel the payment. Unfortunately, Citi was not able to reverse the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of SSN # XXXX Attention : Fraud Department Experian XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, The fraudulent account in question is listed directly below. 

XXXX XXXX XXXX Account # XXXX I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX Account # XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692eXXXX or misleading representations- ( XXXX ) you failed to notate this account/items was in dispute within XXXX days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a settled account inaccurately reported as a charge-off by XXXX and Equifax. This account was settled for less than the full balance, yet both bureaus continue to report it derogatorily, negatively impacting my credit profile. 

XXXX reflects the account as " {$0.00} paid '' and " legally paid in full for less than full balance. '' However, this designation still adversely affects my creditworthiness, prompting my request for deletion from all three bureaus. 

These inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i concerning my right to dispute inaccuracies. Additionally, the reporting of charge-offs for multiple months may violate regulations on timely reporting. 

I request the CFPB intervene to ensure XXXX and Equifax delete this account entirely and to work with XXXX to remove it as well. Its presence misrepresents my creditworthiness and has caused me undue stress. I urge the CFPB to take action to protect my rights as a consumer.
Product: Mortgage

I am still in bankruptcy and they are harassing me saying I have not paid when I have been paying and so has my Trustee. They have money of mine and have not applied it to the loan. No one can tell me who my mortgage company is I think it is XXXX XXXX but Select Portfolio Servicing says that they can not tell me. They are scammers and I am XXXX years old and an Veteran I served my county and I do not deserve to be treated this way/Thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" a mot fartist Sectif nt m in, sarcton, -ilk alina-taliana consumer reporting agency
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX claims I gave them my permission to set up a loan. In fact, I never did and specially not with " TD AUTO FINANCE '' ( who does not exist ) They are from another state practicing issuing of loans and I am attaching the letters of their explanation of why they signed me up for a loan without my consent and most importantly with an expired business license. Also if you look them up TD AUTO FINANCE in the state of Missouri there is an action class lawsuit in which they already have a bad reputation. Please advise on how to close the loan and absolve me of any debt owed to " nobody '' in simple terms. Also XXXX is involved and has to pay me over {$13000.00} in money paid into a fake loan. I will also attach receipts. The most give away part of their schemes is that they refused to access my account on the bank website which again, is a fake website. When you call you will notice that this is the same scam they did in Missouri : the customer contact line is always jammed and takes 2-3 hours to answer and by the time you call every department happens to be " closed '' and although they are from Missouri, the contact call center is in XXXX XXXX XXXX  XXXX To make things more confusing, they refuse to mail me a letter of sale of the auto they repossesed, because yes I stopped paying when I noticed they were a scam. If you want to investigate, do so. I am not the only person filing complaints agaisnt them.