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

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ EQUIFAX ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ EQUIFAX ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ EQUIFAX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. I also believe that the actions of [ EQUIFAX ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. Thank you for your prompt attention to this ongoing issue.
Product: Checking or savings account

I think the trigger is that I made several withdrawals from my XXXX trading account into my Citibank checking account. Then the bank terminated the relationship. I cant emphasize enough that the money is from my Long term investments in XXXX and XXXX, which I have been holding since 2021. I liquidated all my positions and cashed out.
Product: Credit reporting

Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

They stole money from me without my authorization from my debit card
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

XX/XX/XXXX XXXX Barclays Bank AA Advantage Red card was applied for and approved in my name - ending in XXXX. On XX/XX/XXXX a request was made to add an additional user to the card. 

XXXX received notices on XX/XX/XXXX of a new trade/account was on our credit report by XXXX I have contacted both XXXX and Barclays Bank on the fraudulent activity
Product: Mortgage

XXXX   XXXX  of  XXXX   XXXX  in arizona is creating LLCs with lenders to work around respa violations. Investigate him
Product: Credit card

Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA
Product: Credit reporting or other personal consumer reports

The balance is incorrect on the report for XXXX XXXX Refer to the attached invoice for evidence.
Product: Credit reporting or other personal consumer reports

For one, why havent I received any settlement pay from the XXXX XXXX and Consumer Credit lawsuit? Two, I recently disputed negative activity against my credit worthiness with XXXX, XXXX and XXXX requesting specific proof from creditors regarding. I keep getting a bogus investigation result stating my accounts have been verified and my requests are denied. However, I do not get what I request even when I send USC statutes protection
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.
Product: Credit card or prepaid card

I took out a promotional 0 % interest on my Bank of America card in XX/XX/XXXX that expires in XX/XX/XXXX. I then took out a second promotion of a 1.99 % rate ( {$1800.00} ) through next year ( XX/XX/XXXX ). As my XX/XX/XXXX balance is coming due, I called BOA to ask how to pay off the 0 % promotional balance and was told any payments made would go directly to payoff that 0 % balance. At the advice of the BOA representative, I made an {$800.00} payment on XX/XX/XXXX, then called today, XX/XX/XXXX, to get the payoff for the remainder only to find out that the {$800.00} went to my second promotion because there is a law in place that says it has to payoff any balance with interest FIRST ( even though the 1.99 % rate is benefiting me as a consumer for another year ). So now, if I don't pay the FULL balance to the tune of {$3600.00} ( which I do not have by the way ), I will be charged 30 % interest on {$2400.00} ( $ XXXX/m ) going forward. Please tell me how that helps me as a consumer in not being able to specify where I want my funds allocated for the payment of the promotional balance. Also, tell me where BOA 's responsibility lies in telling their consumers misinformation, and to educate people from falling victim to this scheme.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX placed a charge on my credit in XX/XX/2018. I called and made arrangements to settle the account and get the charge off my credit report. I explained I was trying to get a mortgage and they said that they would. They sent me a letter stating that the balance was XXXX but the charge is still on my credit report and is reporting negatively.
Product: Credit card

To Whom It May Concern : I am writing to file a formal complaint against TD Bank USA, N.A. regarding the mishandling of my XXXX  credit card account ending in XXXX  and the subsequent small claims court action ( XXXX XXXX ). Key issues : Identity Theft : In approximately XXXX, my wallet containing crucial identification documents was stolen at a house warming party in XXXX, FL. This has led to ongoing identity theft issues affecting my financial accounts. 
Credit Protection Ignored : Despite having credit protection with XXXX and reporting events that prevented payment, TD Bank has charged off my account and is now attempting to collect the debt through legal action. 
Incorrect Name Filing : TD Bank has filed a small claims case against me, incorrectly listing my name as " XXXX XXXX XXXX '' when my legal name is " XXXX XXXX XXXX. '' This discrepancy is particularly concerning given my ongoing identity theft issues. 
Failure to Investigate : TD Bank has failed to properly investigate the identity theft claims and the complexities surrounding my financial circumstances. 
Attorney Unresponsiveness : TD Bank 's attorney initially agreed to review my situation but has since become unresponsive after multiple follow-up attempts over three weeks. 
Impact on Employment : The actions taken by TD Bank have contributed to employment issues, including being put on involuntary medical leave from XXXX without explanation. 

I request that TD Bank USA, N.A. : Immediately halt the small claims court action ( Case # XXXX ). 
XXXX a thorough investigation into my account, taking into consideration the documented identity theft issues dating back to 2006. 
Correct all records to reflect my full legal name : XXXX XXXX XXXX. 
Honor the credit protection agreement with XXXX. 
Offer a reasonable solution that takes into account my circumstances, including the possibility of account rehabilitation or settlement. 
Provide a written explanation of how my account will be handled going forward. 

I am prepared to provide additional documentation regarding my identity theft situation if needed. I look forward to your prompt response and a fair resolution of this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX XX/XX/2024. The owner, XXXX XXXX has completely disappeared. The tags on the vehicle has been expired since XX/XX/2024. Ive reached out to the Attorney General via email and was told to retrieve a title bond. However, the tag office is saying that is not possible. The lien holder, Credit Acceptance stopped taking payments on the vehicle due to the car not having a title. Ive been back and forth with the issue for months!! They are in contact with XXXX XXXX but we are left stranded. Today, I decided to check my credit report and Credit Acceptance has a balance of {$3200.00} reporting on my credit report which is inaccurate. I reached out to Credit acceptance and was informed by XXXX ( XXXX XXXX ) that i must have it removed. I asked her why was it placed on my credit report because they stopped payments on the vehicle due to the car has no Title or whatever the issue is regarding the title. I am not the only victim in this situation. Monday Im going to speak to my local sheriff about it. Also, XXXX XXXX ran my credit without my knowledge prior to me buying the car. I asked him why did he ran my credit knowing we didnt came to any agreement yet. I hope my complaint reaches the right hands because this has been a nightmare!! Not only do I have a unregistered vehicle without tags, they are also reporting fraud on behalf of my credit. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Account XXXX  XXXX XXXX  XXXX Account XXXX  XXXX XXXX XXXX  Account XXXX  XXXX XXXX XXXX  Account XXXX  XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX {$2200.00} ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXXT XXXX {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX {$130.00} ( PLEASE DELETE ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) CLOSED INQUIRIES : XXXX XX/XX/XXXX AND XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a round-trip airline ticket for {$840.00} from ticket agent XXXX, using my Barclaycard Mastercard credit card. The flights were scheduled by XXXX XXXX. 

In XX/XX/XXXX, I was notified by voicemail and email by XXXX XXXX that the flights were cancelled due to Covid-19. XXXX XXXX ' email stated that I qualified for a refund, but when I contacted them, they referred me to XXXX, which refused to issue a refund. 

I contacted Barclaycard by phone in XXXX, and they sent me a letter dated XX/XX/2020, stating that I had been issued a provisional credit for {$840.00} to my credit card account. On XX/XX/2020, they sent a letter stating that the credit was reversed and the charge was reinstated. They did not explain their reasoning in reversing the credit. 

I sent Barclaycard a letter on XX/XX/2020, disputing the charge because I had not received the goods and services from XXXX  that I had been charged for. Being charged for the ticket although it had been cancelled was a violation of the Fair Credit Billing Act. I noted that the Third Circuit Court of Appeals had ruled that consumers can challenge a credit card charge within 60 days of the reinstatement of the charge. 

On XX/XX/2020, Barclaycard sent me a letter stating that I was not entitled to have the airline ticket charge reversed. 

I believe Barclaycard is in violation of the Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

I'm requesting Upgrade inc send me my 1099c cancellation of debt form. 

It has come to my attention that this alleged that has been sold to another lending institution the IRS deems a charger off over {$600.00} as income the fcra says income shall not be reported on any consumer report. 

Because upgrade Inc has sold this alleged debt that their saying I owe they are now reporting inaccurate information on my credit report this is a violation of my consumer rights. 

These accounts must be removed Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Product: Credit card or prepaid card

Comenity bank refused to honor SCRA benefit for XXXX credit card I informed them in writing sent required documentation they refused to adjust the account. Comenity violated this law for accounts XXXX XXXX XXXX XXXX This company should be held accountable for unfair practices Dates of benefits are incorrect and was never applied
Product: Checking or savings account

My account was closed due to an nsf charge that was not associated with my account. But for the account my son had.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX and XXXX putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Transunion XXXX On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Transunion has on file ; and on XX/XX/2021 I sent Transunion a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.