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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Late XX/XX/XXXX I applied for an XXXX rewards XXXX with comenity bank. I have a fraud alert on my credit report so they performed the extra verification. I was then approved and mailed my new card. The very day I receive and activate my card, they close my account " due to security reasons '' but no one can tell me what the concerns are. I am very frustrated seeing as how the only way I knew or would have found out is by having my card declined in a store.
Product: Credit card or prepaid card

Booked a reservation for 2 bedrooms at XXXX # XXXX, location at XXXX XXXX. Merchant description was Travel, and merchant ID # XXXX, authorization code # XXXX. Authorization date XX/XX/2019, authorization through XXXX. XXXX code XXXX The amount they charged the credit card is {$230.00}. Name of the hotel is XXXX XXXX PHONE XXXX, ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX. The booking reservation date was XX/XX/2019. 

Cancellation was done on the XX/XX/2019. time XXXX XXXX. I spoke with front desk officer name XXXX. 
The cancellation confirmation and tracking number # XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I mailed a letter to the creditor and XXXX to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, Comenity Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I had an over whelming amount of inquiries around the month of XX/XX/2021 From XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their repeated mishandling of my credit profile, which has caused immense distress and financial harm. Despite my diligent efforts to address inaccuracies in my credit report, Experian has consistently failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me in a state of despair. 

On XX/XX/year>, I initiated an investigation with Experian concerning an incorrect account listed on my credit profile : the XXXXXXXX XXXX XXXX  disputed item. The investigation results unequivocally demonstrated that this account was not present on my credit report, providing clear evidence of its non-existence. Subsequent reinvestigations on XX/XX/year>, yielded identical findings, reaffirming that no such account should be associated with my credit history. 

However, to my utter disbelief, Experian proceeded with a third reinvestigation and shockingly confirmed and updated the non-existent account, blatantly disregarding the evidence provided during the previous investigations. This egregious action not only demonstrates Experian 's blatant disregard for accuracy but also exacerbates the financial strain and emotional turmoil I am experiencing. 

These repeated violations of FCRA constitute an affirmative proof of burden and a clear indication that Experian is failing to fulfill its obligations under the law. In accordance with 15 USC 1681e ( b ), I meticulously outlined numerous discrepancies in my credit report in a letter to Experian, emphasizing my right to an accurate and complete credit report. However, Experian 's response was inadequate, simply stating that all accounts had been " verified and confirmed '' without providing any substantive explanation or evidence.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Experian to ensure transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about the steps taken to address my concerns and whether any genuine effort was made to validate the accuracy of my credit report. 

It has become abundantly clear that Experian has flagrantly violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By neglecting to take appropriate action to correct the inaccuracies I have identified, Experian has not only shirked its legal obligations but has also exacerbated the financial and emotional distress I am enduring. 

I implore the Consumer Financial Protection Bureau to investigate this matter urgently and hold Experian accountable for their repeated violations of the FCRA. I request prompt intervention to rectify the errors in my credit report and ensure that Experian upholds its responsibilities to consumers in accordance with federal law.
Product: Debt collection

XX/XX/XXXX : Amazon XXXX XXXX  card opened. 
XX/XX/XXXX : Email re : JP Morgan/Chase merger & my auto acceptance of a new binding arbitration agreement. 
XX/XX/XXXX : Around this time, my card info is stolen and unknown amounts were used at vendors like XXXX XXXX in Virginia ( Im in Massachusetts ). Chase support and I were unable to resolve most of the charges since we couldnt establish when the card was stolen and how much I had already paid off in statement balances. 
XX/XX/XXXX : I am laid off from my job due to the COVID-19 pandemic. 
XX/XX/XXXX : I began a new job after being unemployed for over a year. 
XX/XX/XXXX : JPMCB ( XXXX & XXXX ) attempted to garnish my wages but ultimately were denied. They also sent a court summons to my employer in the XXXX. 
XX/XX/XXXX : After spending years post-COVID, attempting to repair my credit and pay back debt I owed from before the pandemic : JPMCB or XXXX XXXX XXXX XXXX XXXX have been reporting inaccuracies to the credit bureaus in an attempt to harass and bully me into giving them money, like XXXX  who cant use physical violence. 
XX/XX/XXXX- Current : Every single month since, they have reported inaccuracies. My prospect of buying a home keeps diminishing. I cant move out of the affordable housing apartment Ive been living in, having to pay more than the market rate because we cant move due to my poor credit but high income. I have also learned that they harass the office workers at my XXXX office location, in person by serving the company with papers or by calling incessantly. 

XX/XX/XXXX : I sent XXXX XXXX XXXX XXXX XXXX a cease & desist letter under the FCRA and FDCPA. I asserted my rights and requested written confirmation of my letter to be sent back within 10 days, and they never replied. Instead, they went to my credit report and began reporting more inaccuracies, including how old the card account was. On Saturday, XX/XX/XXXX, they had altered the account from XXXX to appear on my report as just over 2 years old and actively being charged off. They have manipulated my credit report for a year to make it seem like that credit card has been charged off for the first time every single month. Throughout all of this, I have received countless harassment calls to myself, my employer, colleagues, and at times, my family members. Its difficult to prove who is behind the calls, since the phone numbers are all spoofed or pre-recorded auto-dialer bots. XXXX XXXX XXXX XXXX XXXX files lawsuits in multiple MA courts ( even multiple XXXX Divisions ), so it is difficult to track or keep a log of where they have open court cases still. JPMCB or XXXX XXXX XXXX report inaccuracies to my credit report every month. This ruins my credit ( lowering my FICO 8 scores up to 100 points at a time ). Every time I pay for subscriptions to the credit bureaus for help repairing this, JPMCB and XXXX XXXX XXXX XXXX XXXX will do it all over. Ive lived with this harassment for years now, and it has gotten worse over time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about my third time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. I have addresses and inquiries on my report that I've never even heard of and yet they are not taking the steps to look into or to remove. 



2 Duplicate name entries I am asking for 1 to be removed XXXXXXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX I have also asked for Addresses to be removed as I have no knowledge of them. Some are duplicated with incorrect apartment numbers. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -SHOULD BE REMOVED AS IT IS EXPIRED. 
Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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: Credit reporting or other personal consumer reports

They are reporting a fraudulent car loan to my credit report. The dealership XXXX XXXX and California informed me they when they approved this fraudulent loan they did not even ask for identification or a ssn card until several days later. See attached police report old and new
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX XXXX  
SHOWS ON XXXX  AND TRANSUNION:
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONLY SHOWS ON XXXX  -XXXX XXXX XXXX
ONLY SHOWS ON TRANSUNION: 
US DEPT ED
XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

Long time ago I would made a lot disputes with my credit card. Chase Bank employee who was female years ago made a verbal threat that my account would be closed because the amount disputes I made. 

Since then I had noticed chase bank has been aggressive with me when filling dispute in which they force you on not disputing by stating you have no " dispute rights. '' I had multiple times called and always obtained the same answer that wouldn't dispute against the merchant. 

Today I reached out chase to dispute about a chain that became discolored and food that wrong given to me. 

The first agent was attempting to proceed it but the system made her reach the dispute department for both. 

Again I knew they were going to say no so I was transferred to disputed department. At first the employee accepted to dispute the first item which was the gold chain which I didn't contact the customer who is in different country. Meanwhile for the food she wouldn't the dispute because " charge was valid. '' In other words I stated you can go to home Depot and buy a washer machine and it's broken and you can't get your money back. She didn't like my response. 

I confronted that the first colleague was going to dispute but your not doing so and she stated well I have training. I asked what training did you receive that she didn't? I asked what department is this and is like a high risk department? She didn't like the fact I was asking questions and made sarcastic remarks. 

I asked for documentation for the banks policy on regulation e for dispute and was told to XXXX it. 

At the end of the conversation she didn't dispute the gold chain while contradicting herself when she said yes at first. She then shuts the phone on my face which was not professional on behalf of chase bank.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in the collection accounts ( GENERAL REV XXXX Date Opened : XX/XX/2021 Balance : {$800.00} ) This unverified account is still reporting on my credit report in violation of Federal Law. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau are legally allowed to report this on my credit report. If unable to, remove the accounts immediately
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I see that there are three hard inquiries that were not authorized and are possibly the result of identity theft. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against TransUnion. I submitted a dispute asking that they verify an account as accurate. They claim to have completed the investigation but nothing changed. The inaccurate information is still reported and this is damaging to my ability to secure future credit. 

The account that was disputed was a XXXX XXXX  credit account # XXXX The account is inaccurate across the 3 bureaus in several areas : Date opened, Date Last Reported, and the ones that affect me are Date of Last Activity and Date of Last Payment.

How can there be such a gross difference between the reporting agencies if the account is VERIFIED as accurate.

I believe TransUnion is in violation of the FCRA and they have violated my rights as a consumer to have an accurate consumer report. Their investigation does not appear to be complete and they reported it as otherwise. They did not provide me any of there information that has been outlined under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ).

15 U.S.C. n1681 s-2 ( A ) ( 1 ) suggests that a PERSON ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the PERSON knows or has reasonable cause to believe that the account may be inaccurate. 

The information is completely inaccurate and I ask that the CFPB investigate on my behalf to help remedy this erroneous information. 

Thank you.
Product: Credit card

I have asked multiple times for comprehensive documentation from Discover Card. To date they have sent only limited amounts of information and refuse to deliver the documentation that I am legally entitled to. I have asked for a formal arbitration process due to Discover 's flagrant disregard for federal law and they refuse to begin the arbitration process as outlined in their card member agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with XXXX XXXX Equifax on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with XXXX and reporting 30 days late with Equifax. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$6200.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened aXXXX 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I entered into an agreement on XX/XX/XXXX to get out of foreclosure and have made every payment on time, including the required 'good faith ' payments. The Modification paperwork was signed and returned by XX/XX/XXXX. As of XX/XX/XXXX I have not received a countersigned modification. 

The servicers website does not reflect the permanent modification. 

And, I am being charged late fees, dispute not missing any required payments since you entered the XXXX in XX/XX/XXXX.
Product: Credit card or prepaid card

To begin, I have been a customer since XXXX, never any issues! However, an email was sent to me on XX/XX/XXXX regarding my blue bird american express debit card account. 

Below you will find the email notification which states : Hi, During our recent review of your Bluebird Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. Box XXXX XXXX, GA XXXX Thanks, The Bluebird Team I attempted to call the company but was unable to reach them by phone. All the money I have to pay bills are in this account in which I can no longer login and manage. My bills are due and they have suspended my account. I just read that I am not the only person who are experiencing this issue with them. I need my funds from this account ASAP. Please help in any way you can to recover my funds! 

Thank you for your time!
Product: Credit card

Macy 's is charging my credit card each month with a " {$2.00} Minimum Monthly Finance Charge '' even when there is no balance on the account. I am being charged each month when there is a XXXX balance.
Product: Prepaid card

I have tried to use my prepaid American Express gift card several times and can not use the balance left. I have tried to make purchasers at several retailers, in person and online, and the card is always declined. I have verified the balance but the card still doesnt work.