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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 14 ( B ) ( 6 ).
Product: Credit reporting or other personal consumer reports

" I am formally disputing these credit inquiries as they were made without my explicit authorization, violating my rights under FCRA 1681b and 1681c, as well as the XXXX XXXX. These sections require permissible purposes for inquiries and accurate reporting, which have not been met. Additionally, FCRA 1681i and 1681s-2 guarantee the accuracy and completeness of credit information. My rights have been violated, and I demand the immediate removal of these unauthorized inquiries to correct and ensure the accuracy of my credit report. Failure to address this issue promptly will compel me to consider further action. ''
Product: Credit card or prepaid card

A charge was made on my Legendary Pine Master Card on XX/XX/XXXX at XXXX XXXX XXXX XXXX FL for {$460.00}. Called the XXXX XXXX on XXXX to dispute the charge. They said it was for family counselling- we have not been to XXXX in over 20 yrs plus we have medical insurance that would cover that. They removed the charge but reapplied it in XX/XX/XXXX and I received a letter dated XX/XX/XXXX stating they can find no basis to support the claim. Called XX/XX/XXXX and they were going to reinvestigate. Called XXXX and said the same thing. They said they called this company and got no answer as did I - the business dissolved XX/XX/XXXX and I have tried calling the phone number associated with it and no answer, XXXX XXXX said for me to file with my local sheriff office. I have had a bogus charge on another credit card and they actually contacted me and resolved it. Legendary Pine MasterCard can not prove that this charge is legit as they can't get ahold of the company that charged it,
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$9200.00}.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced under account number XXXX name XXXX XXXX XXXX Number as permitted under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Please be advised that : 1. You must cease all contact with me, including phone calls, emails, letters, and any other forms of communication.

2. If you believe this debt is valid, you must provide written verification of the debt in accordance with 15 U.S. Code 1692g.

3. If the debt can not be verified or is inaccurate, I request that you stop reporting it to credit reporting agencies per 15 U.S.

Code 1681.

Failure to comply with this request may result in legal action being taken against you for violating my rights under federal law. 
Please confirm in writing that you have received this letter and will honor my request to cease communication. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent accounts on my credit report.
Product: Debt collection

I am writing to formally dispute the additional charges that have been applied to my account following my recent move-out from the XXXXXXXX XXXX  Prior to my move-out, I provided all the required notices within the stipulated time frame as outlined in our lease agreement. I spoke with XXXX XXXX, who confirmed that there would be no additional fees associated with my move-out, provided that the apartment was left in good condition. 



During the move-out inspection, I was informed that the apartment met all the necessary conditions, and I would not be subject to any additional charges. 



I respectfully request that you review this matter and remove these charges from my account. Please provide written confirmation of this adjustment.
Product: Credit reporting or other personal consumer reports

I dont have a foreclosure relationship with XXXX XXXX  and never provide signatures entering into an agreement with this company. They are reporting without my consent in a predatory fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX after XXXX XXXX XXXX credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX 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 or other personal consumer reports

Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, TransUnion is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXXDISCHARGED Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXXXXXXXXXX AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Nationwide Recovery is attempting to collect on a debt that has been paid by health insurance. I have reached out to this agency on numerous occasions and have not received a response, it has now been a total of 90 days. I have also contacted the hospital XXXX XXXX requesting an itemization of the items Im being charged and have not received the documents.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

UNKNOWN INQUIRE REPORTED ON MY CREDIT BUREAU SUCH AS XXXX   AND XXXX DATE XX/XX/2019NAME OF COMPANY CHASE AUTO
Product: Credit reporting or other personal consumer reports

I requested Experian to remove reported addresses in XX/XX/year> and they emailed me that my request was addressed. After checking their response, they did not address my concern and the addresses remain on my report. This information is inaccurate and unreliable.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX BANK - XXXX XXXX  XXXX BANK - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This debt was paid in full back in 2020 and still reporting incorrectly on my credit report. I have received 2 paid in full letters yet still reporting incorrectly and by doing this is a great hinderance because it keep showing up. This case is closed and released. Please remove from all three credit reports XXXX XXXX and XXXX
Product: Mortgage

I have asked SPS for a forbearance and they have refused to comply with Federal Forbearance Law. XXXX extended the State of National Emergency until XX/XX/XXXX, and all homeowners have the right to a forbearance until the end of the state of national emergency. I have the right to a forbearance regardless of the delinquency of my mortgage.
Product: Checking or savings account

On XX/XX/XXXX myself ( and I'm sure other members ) received an email from USAA stating " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. This information is for your awareness only and you do not need to take any action. 

About your restitution payment You will receive a restitution payment of {$180.00}. Affected members with an active USAA Bank checking or savings account will receive a direct deposit into their account. Members who no longer have an active account will receive a check. 

This payment is being provided in accordance with the terms of the consent order issued by the Consumer Financial Protection Bureau on XX/XX/XXXX. The amount of the payment was determined in coordination with the CFPB. 

Timing for your payment We will be working with the CFPB on the restitution process in the coming months and while we can not provide an exact date for providing restitution payments, please know we are making every effort to get this payment to you as soon as possible. '' This is going on the XXXX month and I still haven't received payment. I've spoken with managers and someone in the CEO 's office about this ( and related to another open CFPB complaint ) and was stated they were trying for XX/XX/XXXX. The delay I'm sure is due to the XXXX dollar fine they had to pay recently on another case, but nonetheless it shouldn't take 3 months to pay what you guys ordered them to. 

Please advise.
Product: Checking or savings account

Summary of Events : Around XX/XX/XXXX, I went to Citibank in the XXXX area of XXXX XXXX to withdraw money to pay my landlord. One day later, I found that my debit card was no longer working, and I couldn't access my account. I called Citibank 's service line, which takes approximately 30 minutes to answer, and was informed that my account and debit card had been blocked. They did not provide an explanation on why. The next day, I went to Citibank in XXXX with all of my ID documents, and the manager tried to phone the fraud department and explain the problem. To verify an account, the fraud department requests the account or debit card number, complete names, the last four digits of your social security number, and, finally, a phone number where they can verify you are the account holder. When asked for the phone number, they replied, " I'm sorry, lady, but the number is incorrect ; we can not verify your number. '' The banker stated that there was nothing she could do because that was the only area capable of verifying and accounting. I was told to go to the phone provider for the plan I had so they could correct my name in Public Records, which I did, but XXXX told me they had nothing to do with Public Records and that my name and phone number were accurate. I left with no success, no money, and an awful lot of frustration. I completed the procedure two more times at two separate Citibranches offices, including the XXXX Citibank where I had opened my account, because I had spoken with the lady who had opened it and she had told me to come in personally. ( I have her emails saved ). The same thing happened so she wrote a memo and told me I would get a physical letter at my addresss with a special code to verify my account, which I never got. Until today ( it's been almost 14 days after my account was disabled ), I've called multiple times, spent hours away from work and home, and attempted to authenticate my account. I went to XXXX again today, but they couldn't help me because on the first place they don't understand what they have to do with the bank. To this day I have not received a call from a Citbank agent, I don't have access to my stipend or any of my money, so I can't buy food, pay for my son 's classes or my bills and I have a huge interests for the delayed payment of my credit card. Citibank is holding on to my money, and no one can answer as a HUMAN BEING. I don't think any bank can do this to a regular citizen, without mentioning the mental health problems they are causing.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities.

I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and XXXX XXXX must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
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 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Product: Checking or savings account

On today, XX/XX/2020, at approximately XXXX, I tried to cash a check at a XXXX store in XXXX , MI. The check would not go through so they called the check cashing system and the check was denied due to being over limit-. 

I called the banking customer service number at XXXX, and let the representative know that I was at the check out and wanted to know if they could provide a authorization code for the check to be processed. She put me on hold and said she talked to a supervisor who told her to document the call. She never tried to find out if she could do an authorization. She never tried to help with answering the question, she just kept me on hold while she made notes in the system. I was not able to cash the check and was not told why by the representative and not offered any help in getting it cashed. 

On XX/XX/2020, I ordered a replacement debit card by rush overnight delivery. The card never came, so I called the bank again on XX/XX/2020, and spoke with XXXX, a supervisor, ID # XXXX, with their online banking department. I was told ( via a recorded call ) that the card would not be sent because when it was ordered the system chose my alternate mailing address which is a PO Box . I was told by XXXX that they can not send debit cards to PO boxes. XXXX told me that he would get in touch with the team that orders the replacement debit cards. He put me on hold and a few minutes later I was disconnected from the call. 

When I called right back, the toll-free number for the bank XXXX was transferred to a automated message for XXXX wireless instead of BBVA bank. They probably kept me on hold so they could block my number and have my calls sent to the automated message system at StraightTalk wireless. 

The issue with the debit card is relevant because without an active debit card on file I am not able to cash checks, change my phone number, update the address or do any other banking transactions. 

So for the bank not to get this resolved is highly irresponsible. They are doing everything possible to hinder me from accessing my account, making changes, or spending the money. I believe that there is a third party involved that may be linked to XXXX XXXX and/or the current Trump administration due to ongoing XXXX attacks I have been subjected to by the current POTUS administration. He is trying to score points with his XXXX base by harassing me. Not only have they been sending federal agents out to democratic cities across the nation, but they have been unlawfully monitoring my bank account, phone numbers and sent FBI to spy on me while I was in the hotel, use neighbors to spy and harass me electronically and they may have unlawfully put a tracking device on my vehicle so they can follow me throughout the city.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness..

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around