23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed 3 times XXXX claim of XXXX in the amount of XXXX. It comes back VERIFIED, NO CHANGE. Yet i have talked to this Collection Agency several times as I have never belonged to a gym in my life. After finally talking to XXXX XXXX from the collection agency, he informed me he has my name and date of birth, however this Gym has been out of business several years. I responded that this was not my debt, and asked if he had a signed contract. I would imagine you would sign something if you are in a contract for owing money as they claim. He said, No they are no longer in business. However i was free to do what i needed to do as far as reporting them for false debt. I have went through great lengths and Transunion has not verified any debt, but yet reports it as such. This is by my knowledge not legal and is dragging my credit down causing great stress and denial of credit, even though my family has a lot of great active revolving credit lines including installment car loans on my record. Someone needs to be held accountable, and this false debt should have been removed 90 days ago. Obviously XXXX XXXX does not feel someone could possibly use another name and date of birth to obtain something, because they sure do n't have my signature or a contract agreeing to any sort of membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( XXXX ), who claims to use Trans Union as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because Trans Union has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the Trans Union credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing Act.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account nameXXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, 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 1 5 USC 1681. 1.Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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

I am trying to create an account with Equifax in order to put a freeze on my account. They recommend the my.equifax.com website but I can't log in and it prompts me to call the phone number. I call the number and verify with my personal information and the system says I have to go through the mail but then gives me no instructions for this. The system is useless and I need access to freeze my credit.
Product: Mortgage

I received a heloc loan from bank of America 15 years ago they recently last year sent me a letter stating that I have not made the payments and they wanted all the money now I have been paying on this loan for 15 years I sent them all the billing statements but they still wanted me to pay it again so they sent the whole loan total to a collection company XXXX XXXX XXXX  they demanded XXXX in 30 days I had to pay the whole loan again or face losing my home I sent the money and now sls wants XXXX more and will not give me a billing statement that shows what i have paid or what they think I still owe they are trying to take my house now again for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at Self Financial. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from XXXX  one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.
Product: Credit reporting

EQUIFAX HAS NOT REMOVED FRIVOLOUS ACCOUNT REPORTED FROM XXXX XXXX XXXX. EQUIFAX RECEIVED AN IDENTITY THEFT AFFIDAVIT FROM ME OVER A YEAR AGO. I NOW HAVE ATTACHED FURTHER PROOF FROM THE XXXX XXXX & FROM XXXX THAT CORROBORATES THAT I RECEIVED FUNDING FOR COLLEGE XXXX FROM A UNIVERSITY OTHER THAN XXXX UNIVERSITY-THE ORIGINATOR OF THE DEBT. I HAVE NEVER ATTENDED XXXX AND I HAVE OFFICIAL DOCUMENTATION TO VERIFY MY FULL ENROLLMENT AT XXXX AT THE TIME EQUIFAX IS SAYING THEY RECEIVED VERIFICATION FROM XXXX XXXX XXXX.
Product: Debt collection

This is a formal complaint against Midland Funding LLC located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Midland Funding LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Money transfer, virtual currency, or money service

Hi, This is regarding the 2 transactions worth {$1800.00} ( XXXX $ & XXXX $ ) that had happened with my Chase Account via XXXX on XX/XX/XXXX & XXXX to a same person named XXXX ( whom I dont know in any capacity ). I reached out to chase on XX/XX/XXXX as it was that time I realized some of my money is gone. This chase account is student checking account and I hardly transfer any amount to anyone apart from myself, my primary account. Chase provided me with temporary credit till the time they researched but later they told they found nothing and took back the credit. I had asked for findings as well but I havent got it till now. Also, Im an XXXX XXXX  here and XXXX $ is kind of very big deal for me. Ive been telling Chase that I dont know this person but they told theres no way they can secure my XXXX  money. I dont know what else to do to get my money back. Kindly help me. Thanks!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I am writing today in regards to my account with Syncb/amazon account # XXXX the reason for me writing in is because I have 2 lates reporting 1 in XX/XX/2020 and XXXX in XX/XX/2020. I have been impacted by the natural disaster declared by FEMA, Covid which has impacted me has effected my ability to make those payments. As soon as I was able to I got those payments made.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my concern and frustration regarding my initial attempt to remove fraudulent items from my credit report, and the subsequent lack of resolution. 

Upon discovering unauthorized and fraudulent entries on my credit report, I promptly initiated the dispute process by following the procedures outlined by Credit Bureaus. Regrettably, my first attempt to rectify this matter has not yielded the desired results. The fraudulent items persist on my credit report, adversely impacting my creditworthiness and causing undue distress. 

I understand the gravity of addressing cases of fraud and appreciate the need for thorough investigation. However, the delay in resolving this issue has raised serious concerns about the effectiveness and efficiency of the dispute resolution process. As a victim of fraud, I find it disheartening that my credit report continues to reflect inaccurate and unauthorized information. 

I kindly request an immediate and comprehensive review of my case, with a specific focus on expediting the removal of the fraudulent items from my credit report. I have attached copies of the supporting documentation submitted during my initial dispute for your reference. 

Furthermore, I seek transparent and timely communication throughout the resolution process. Regular updates on the progress of the investigation and the actions being taken to address this issue are crucial to maintaining trust in the credit reporting system. 

If the fraudulent items are not promptly removed from my credit report, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I sincerely hope it does not come to that, and we can work together to resolve this issue promptly and amicably. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX FCU XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There were multiple and duplicate inquires on my TransUnion report. Ive called and was told to mail in my ftc report and police report regarding the inquires as well as the fraudulent account by XXXX XXXX  via certified mail.
Product: Credit card

XX/XX/XXXX Made an accidental {$130.00} payment on a XXXX balance Best Buy account. 
XX/XX/XXXX Sent notice of overpayment and requested return of funds. 
XX/XX/XXXX They asked for dollar amount and date -- I submitted both. 
XXXX  They asked for an XXXX XXXX XXXX XXXX report. 
XX/XX/XXXX My bank was unfamiliar with that report but I did try to send them a file and a cut and paste from my account but the website would accept neither -- asked for an email address. 
XX/XX/XXXX Informed them because of their lack of response I would have to file with appropriate state and federal bureaus. Said I would wait for response until XX/XX/XXXX. No response. Note : Their own website shows the payment being made on a XXXX balance account. Very odd. 
Thank You
Product: Credit reporting or other personal consumer reports

I sent them certified mail XX/XX/year> documentation proving the inaccurate information on my report. I also should proof that acct was removed on transunion and by law they have to be in compliance with the report of my credit on other bureaus. They said their investigation came back verified. They still havent provided information about how they investigated these accounts
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Bank of America will be civilly liable under Title 15 U.S. Code 1692k if Bank of America failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Yes have complained about this numerous times. My home mortgage payment is supposed to be taken out of my USAA checking account XX/XX/XXXX of every month. It is XXXX XXXX XXXX 2017 and my mortgage payment has still not been withdrawn by XXXX nor USAA Federal Savings Bank. I just talked to USAA CEO 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly. When or is any Federal Action going to be taken to resolve this as it is unacceptable by all means for a mortgage payment of over 1200-US dollars a month?
Product: Credit card or prepaid card

My credit card bill has been paid automatically via debit from my checking account using Bank of America bill pay system. That has worked like a clockwork for as long as I have had this particular account open. 
Suddenly on XX/XX/2019 it did not work even though my bank account had sufficient reserves. 

Bank of America is the credit card issuer and they claim that debit did not happen this time because of the user error and refuse to acknowledge their part in this and refuse to refund or at least partially refund the late fee and interest charged. I paid the bill in full including {$70.00} in interest and late fee as soon as I discovered this error and was late only 4-5 business days. I never received a notice that bill pay system had not worked! What is the purpose of automated bill pay if it fails without notice! 

I contacted their customer service twice. They claimed that it was a user error even though they had no idea why bill pay failed. I was told that their manager will contact me within three business days from XX/XX/XXXX. That never happened. 

Please advise. Thank You!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have banked with Suntrust for over 7 years. I recently was a victim of a Debit card skimmer scam and ID theft.On XXXX XXXX, 2017 ; I had over {$2400.00} plus applicable fees taken from my account. The culprit transferred funds from my minor son 's ( XXXX yrs old ) savings account and went to an ATM in XXXX, FL and withdrew cash in two separate transactions. I have always lived in XXXX, Fl 4 hours away from where these transactions happened. 
I discovered the transactions and called my bank immediately! When the fraud claim rep. asked if I have the card, I replied " No '', for the simple fact that I had misplaced my card some where. But did not report it lost because I know it was somewhere in my purse or car NOT LOST or Stolen, I called back in less than 30 minutes to inform them that I indeed have my card. It was in my purse the entire time.I was told the process takes 10 business days to review. The case was then forwared to a " Fraud Investigator '' that asked me a total 5 questions. I explained to her that I never transferred the funds, never visted XXXX and that I live alone with my XXXX small children. I received the attached email saying my claim was denied, I was shocked. I called the investigator and she explained that my claim was denied because of " conflicting statments ''. I am the victim in this situation and my bank has an obligation to protect me and research throughly to determine if I was at fault or commited this fraud. You can not base a whole claim from my statement which at the time I gave was completely in shocked that all of my hardworking money is gone. Never did the investigator look into the phone transfer or location of the transactions. Now I must go through a up to 45 day appeal process, which still does not guarantee me my funds and provided supporting documentation, phone records and affidavits from family members. I have spoken to over 10 employees in this matter. Next step for me is to contact a Lawyer, because I need someone to advise me on how to get back what is rightfully mine.