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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; Chapter 7 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter 7 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This debt was the result of my ex roommate stealing my identity. This was explained to them in the past but they continue to contact me. I request that it stops immediately and the debt is cancelled. I am a victim of identity theft.
Product: Checking or savings account

Checks were originally made XX/XX/XXXX - XX/XX/XXXX. Chase has allowed these checks to be CASHED a second and third time throughout XXXX and XXXX. Chase then said the only resolution would be that Chase would place a STOP PAYMENT on ALL checks written XX/XX/XXXX - XX/XX/XXXX. Then Chase had agreed to start processing refunds for checks that were double and triple cashed then suddenly stopped altogether and are now taking the money back that they DID initially credit to my account back. Without my consent of course. Have been trying to resolve with chase and have had no resolution or real answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a business loan and was denied, due to a bankruptcy that is not mine but of someone with a similar name, the information that the credit reporting agency is not verifiable or accurate. I have attempted to resolve this matter with Experian, they did remove it during their investigation then began reporting it through their agency without notifying me 5 days prior according to my FCRA consumer rights,
Product: Debt collection

FRONTLI.FRONTLINE ALREADY HEARD THE RECORDING from XXXX from XXXX XX/XX/ AND AGREED IT SHOULD HAVE BEEN DELETED. Frontline ACKNOWLEDGED THAT THE DEBT SHOULD HAVE BEEN REMOVED. XXXX wont honor what they said they would do which is the reason why I have had to record conversations with XXXX because without it XXXX just does what it wants. I TRANSFERRED SERVICE from XXXX to XXXX IN XX/XX/ but I WAS CONTINUED TO BE BILLED FAR PAST MY CANCELLATION DATE DESPITE BEING PROMISED MY BILL WOULD BE TOTALLY CLEARED AND THE PHONE CALL WAS RECORDED. THEY STOPPED BILLING IN XXXX  which was totally inaccurate .I EVEN TRADED IN MY PHONE TO XXXX BACK IN XXXX XXXX I HAVE A TRANSFER PIN FROM XXXX WHICH ACKNOWLEDGES THAT XXXX KNEW THE ACCOUNT WAS CANCELED AND IN GOOD STANDING IN ORDER FOR THEM TO DO SO. FRONTLINE ACKNOWLEDGED THE PHONE CALL AND I ALSO SUBMITTED THE RECORDING TO FRONTLINE VIA EMAIL SO IT COULD BE DONE. FURTHER MY BILL WITH XXXX HAS ALWAYS BEEN XXXX TO XXXX DOLLARS AND IT WAS PAID SO IT IS VERY INACCURATE for them to bill me XXXX. I HAD TO RECORD MY CALLS WITH XXXX BECAUSE XXXX KEPT CHANGING MY ACCOUNT TO FORM A NEW ACCOUNT WHEN IT WAS UNAUTHORIZED. Also they sent the bill to the old address and hadnt been able to send it to correct address since the account had been closed.
Product: Credit card

Subject : Notice of Unauthorized Credit Limit Decrease Dear Best Buy Customer Service, I am writing to formally address an issue regarding my Best Buy credit card. I recently discovered that my credit limit was decreased without any prior notice. Based on my understanding of the laws governing credit card issuers and my rights as a consumer, this action appears to be in violation of several federal regulations, and I am requesting an immediate review and correction of this matter. 

According to the Credit Card Accountability, Responsibility, and Disclosure Act of XXXX XXXX  CARD Act ) and The Truth in Lending Act ( TILA ), I believe the following laws were violated : 1. CARD Act - Section 101 ( a ) ( 1 ) : Credit card issuers are required to provide at least 45 days advance notice before decreasing a credit limit. I did not receive any such notice, and I was not made aware of the change before it occurred. 
2. CARD Act - Section 101 ( a ) ( 3 ) : If the credit limit reduction was based on information from a credit bureau, I must be informed of the reason for this action. However, I was not provided any explanation or disclosure as to why my limit was decreased.

3. CARD Act - Section 102 : As a consumer, I have the right to opt out of certain changes, including credit limit decreases, in specific circumstances. I was not given this option, nor was I informed of the reduction in advance, making it impossible for me to exercise my right. 
4. TILA - Section 1026.9 ( c ) : Creditors are required to notify consumers of significant changes to their credit card terms, including credit limit reductions, at least 45 days in advance. I did not receive any such notification, thus violating my rights under this statute. 

Given that these laws appear to have been violated, I request that you immediately : XXXX. Provide a detailed explanation for the credit limit decrease and clarify whether it was based on information from a credit bureau. 
XXXX. Reinstate my previous credit limit, or provide a reasonable justification for the reduction in compliance with the law. 
XXXX. Take corrective action by ensuring that proper notices are sent to me in the future in accordance with the laws cited above. 

If I do not receive a satisfactory response within 30 days, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring other legal avenues to resolve this matter. 

Please address this issue promptly and send a response to my contact details listed above.
Product: Credit card or prepaid card

On XX/XX/2018 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

Transunion sent me re-investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report.This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation
Product: Debt collection

I tried several times to contact Navient and resolve the issue. It seems as if they want my loan from XX/XX/2003to keep accruing interest. They led my dad to believe he didnt need to pay and enrolled him in the wrong program. They then contacted him a few years later with a ridiculous added amount. After I was able to get his loan connected to my account to pay them monthly, things got better. Then, I called to put the loan back under his bank account ( job loss ) and they still charged my account. After having his bank account information connected to his account, they claimed he failed to pay ( it was set up for auto-pay ) for 4 months and accrued more interest. Finally, after I took over my dads loan to pay it off in total, In the 4th month, they declined it and I was given the run around just because I wanted to pay off this outstanding balance. They claimed my account was invalid when I use XXXX everyday and had the necessary funds.
Product: Debt collection

They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX  and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. 

Violations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. 

Repossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. 

False Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as " charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.
Product: Checking or savings account

It is a business account I use for billing customers and receiving payments and paying contract payment and they froze the account without warning and without any explanation as to why, what for, or how to retrieve assets for six months.
Product: Credit reporting or other personal consumer reports

I was recently scammed through XXXX when a fraudulent individual posing as a seller on a marketplace platform tricked me into sending them money for an item that never existed. Despite contacting the seller 's supposed phone number and email address, they disappeared, and when I reached out to my bank regarding the unauthorized transaction, they informed me that since the payment was made through XXXX, there was little chance of recovering the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times to XXXX, Equifax, and XXXX about XXXX XXXX.Ive sent the errors reporting across all three.Payment history on Equifax section is reporting 120 days late and XXXX is nothing reported, XXXX shows co.Equifax is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries.

each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
Product: Money transfer, virtual currency, or money service

I received an email on XXXX XXXX : XXXX XXXX XXXX, Thank you for cooperating in our investigation of your Square account. As a result of our investigation, we have decided to reverse the offset that resulted in a debit to your Square account on XX/XX/2023. As a result, you will receive a credit for {$920.00} on your Square account by the end of the day. 

XXXX XXXX : Even though, I'm sending this email, I am still following up with the recovery team today to check on the status of the balance transferring into your account and as soon as I hear back from them, I will call or send an email to you.

Ive escalated this over to our Account Services team, who will review your account. They will be in contact in the next 1 - 2 business days via email, so keep an eye on your inbox.

The quickest way to get this sorted out is to reply directly to the email sent to your address associated with your Square Account.

That is the last I have heard from them.

I had an {$800.00} tranaction and they took it, then returned it to my account but it has not been deposited to my bank account. They owe me {$770.00}, I just really need my money. This tranaction was made on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover Personal Loans Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Money transfer, virtual currency, or money service

Money threw Cash App.posted but can not get my card since XX/XX/XXXX money just sitting has sent Cash app several text all is said we willget backwith you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
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

XXXX XXXX  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late,XX/XX/XXXX 120 Day Late. Needs to reflect on time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX  on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX  XXXX  XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX  XXXX  XXXX  : still on my credit report should be deleted 6 ) XXXX  XXXX  : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX US DEPT OF ED/XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX Data Breach : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A. Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 :
Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report.

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.