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

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX. XXXX XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Compliance and Notice of Intent to Pursue Legal Action Dear TransUnion, I am writing to formally address a serious concern regarding your recent handling of my consumer report and the lack of compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance.

I have previously contacted your office regarding discrepancies in my credit report and have yet to receive a satisfactory resolution. Should you send me another stall letter without addressing my concerns, I will pursue legal action against TransUnion for the willful failure to comply with the requirements imposed under the FCRA.

As stipulated in 15 U.S. Code 1681n, I am entitled to seek damages for any harm caused by your noncompliance, which includes actual damages sustained or a statutory amount of {$1000.00}, whichever is greater. 

I urge you to take this matter seriously and you have 3 days to respond promptly to resolve my concerns. I expect a detailed response addressing my issues. Failure to do so will compel me to take further action. 

Thank you for your immediate attention to this matter. I hope to resolve this issue amicably and await your swift response.
Product: Credit reporting or other personal consumer reports

In XXXX, a XXXX account was opened in my name with a social security number ending in XXXX. This is not my last XXXX digits, and when I tried to tell the creditor this, they took this to court, and I am being sued for XXXX. I don't have a problem paying delinquent bills, but this is not my bill to pay. I have had numerous issues with identity theft.
Product: Prepaid card

I purchased a gift card from american express. total balance on gift card is {$44.00}. I have been unable to use gift card with any merchant. I called on XXXX at XXXX XXXX, and XXXX at XXXX with XXXX and XXXX. Both times the rep said to AMEX gift card customer service at XXXX, the CS rep says to try to use at another merchant. Transactions will show pending on the account, but will not complete. AMEX Rep says they are declining all transactions to ensure " Security '' on the account. 

After stating I would contact consumer finance, AMEX rep said they would open a case and send a check in the mail within 3 weeks. 

Over 2 months later, on XX/XX/2023, I have not received any check in the mail nor any status update. Card is still unusable everywhere I try to use it. I called the company, and spoke with " XXXX '' who said my case was closed and no check was sent. XXXX also said id, proof of address, and card details needed to be emailed to a specified email address. Upon complaining, she escalated me to XXXX. XXXX tried to get me a replacement card instead of check in the mail. XXXX submitted a new case and said it would require another 3 weeks before I would receive my check in the mail. This is now 4 months of trying to use my {$44.00}
Product: Debt collection

Reservers at XXXX management Apartment property lease broken and received no written notification of the bill going into debt collection. I attempt to make payments and payments were cashed for the checks I submitted payment for the bill. After my attempt was made to make payments for the debt remaining on the bill for the broken lease the credit reported no attempt to make payments and my bill was submitted to a debt collection agency.
Product: Student loan

The first calls come at XXXX XXXX CST, and continue about a dozen times per day. I have XXXX part-time jobs and call when I have a few minutes in between jobs to call and set up an Income-Driven Repayment Plan, but am on hold waiting for a person for about an hour. 

Then when I'm at work again, the calls continue. And they continue from various phone numbers showing them from various locations around the country, predominantly coming from XXXX, Indiana.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Credit Collection Service has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least 5 business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX 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 instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, inaccurate accounts appeared on my credit report today without any warning. I checked it like usual, but this time, discrepancies were there for no apparent reason. I even refreshed my browser to see if it might be a glitch, but they didnt go away. I would appreciate it if my documents could be thoroughly reviewed so I never have to face this worry again.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$690.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from XXXX XXXX XXXX concerning a PayPal account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on PayPals website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a PayPal  account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to PayPal and I would not hear from them again. PayPal should require more verification to open an account and not put thousands of people in this position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.
Product: Bank account or service

My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable.
Product: Mortgage

My home was a new construction home and my builder collected for annual property taxes from me directly, which he paid to the county. I also paid into my escrow account for the annual property tax bill and those dollars are being held in my escrow account. Speaking with a customer service representative, they stated I had to send an email to their escrow team ( evidently can't be completed by phone ). It has been over a month now since my complaint with them was submitted and I still can't get someone to respond to me. Please help me.
Product: Vehicle loan or lease

I have been paying online 2 V wagon credit for the past year and then they updated their website when they did this I was unable to get in none of my information changed but I was unable to get in. I called and contacted the company they said that my login information was OK and that they were going to send me a code to reset it it did not work then they told me that they were going to send in the work ticket and it will be fixed within 72 hours. 72 hours has passed and still I can not get in online and this is how I make my payments. This company is denying me a way to make payments to the company without a fee being charge. This company is not fixing their website for you to go online and make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call them 22 times and they keep hang up on me .transaction date of XXXX XXXX XXXX XXXX is right, transaction date of XXXX XXXX of XXXX is right XXXX XXXX XXXX  of XXXX is wrong justanswer membershp XXXXis wrong. so it show that XXXX is do not XXXX that is to be taken out. They also list my card as stoning I cut that thing was cut up by me.ie us bank.
Product: Checking or savings account

I wan na know if Wells Fargo scam me has well and I still have an account with them
Product: Debt collection

I just became aware about this debt in collections. I had never received a notice that was account with the creditor is in default nor that I had a missing payment. I became aware about this debt through a job that I was recently applying for. They notified me that because this account is in collections and the resulting derogatory marks on your credit score, that they would not be able to hire me until this is resolved.
Product: Mortgage

Dovenmuehle Mortgage took over our XXXX, promised to continue servicing the autopayments for interest, failed to do so, failed to send monthly statments and has tried to conceal their efforts to pad our principal by over {$6000.00}. This is outright banking fraud. We paid a {$75.00} fee in XXXX to XXXX XXXX XXXX XXXX. Its on our statement. XXXX/DMI charged it again in XXXX and is trying to maintain their lie that it only got charged once. The statements don't lie. Thats why they don't want to provide monthly statements. The monthly bills would totally reveal their fraudulent activities.
Product: Credit card

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 
I recently advised that the bank violated my rights when they breach the contract. This bank charged me XXXX dollars for two late fees. Per our contract the first late fee was supposed to be XXXX not XXXX. The second late fee was XXXX per our contract. However, the breach of contract is where ; Count ( 1 ) you over charge me on the first late fee instead of XXXX you charge me XXXX ; Count ( 2 ) per the contract on the second late fee you charged me XXXX correct as per agreement. However, you report to the credit bureau a late fee which actually stays on your credit report for 7 years that caused serious damage. The contract does not mention any type action from your bank that a late fee will be reported on your credit report and stay there for 7 year.
Product: Credit reporting or other personal consumer reports

My score dropped XXXX points in a day. 
When I looked to see what changed, I had 3 balance decreases, because that what happens when your pay bills on time! This is out of control. Who gives these companies the right to drop scores because you pay your bills!!!! How is this legal, or ethical? I'm sorry, but someone needs to fix this! No matter what my score drops? Ridiculous! Is an understatement. This is why Americans are mentally XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my macys account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/ Balance : {$1600.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent account from my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022