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

I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on XXXX. looking further I saw XXXX on XXXX, and XXXX on Equifax. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX  XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  Seeing that XXXX different banks were contacted in three days requesting loans I am very worried about identity fraud.
Product: Credit reporting

I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion & XXXX XXXX continues to re-age an charged off account and TransUnion continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORTXXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting or other personal consumer reports

Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good evening, We made a car reservation in XXXX, XXXX using the Chase XXXX XXXX and paid with points on XXXX XXXX this year. 

Trip ID : XXXX Traveler 's Name : XXXX XXXX XXXX Reservation ID : XXXX Car Company XXXX XXXXXXXX XXXX XXXX Confirmation : XXXX Pick Up : XXXX XX/XX/XXXX Drop Off : XXXX XX/XX/XXXX We arrived at the location at XXXXXXXX XXXX XXXX in XXXX, and the company said they didn't have the reservation on their system. We spent more than 2 hours with Chase XXXX over the phone here. The agents tried to contact the company that didn't pick up the phone and told us they opened a case in the system to provide us with a refund in 72 hours. 

The agents could not assist with the emergencyno procedure in place to take action in a situation like that. We had to contact a credit card competitor to get an emergency car for the day and the following days from the vacation. ( We will ask to use the travel insurance for compensation for the extra costs/difference price ). All the documents can be provided. 

We have contacted the Chase XXXX phone line to get an update about the refund from the car rental, and the agents need to know what's happening. According to my phone, we have made several calls with a total of over four hours with customer service and are still waiting for a resolution ( refund ). 

Today ( XX/XX/XXXX ), we received an email from XXXX asking us to provide " Example : Email from the car hire company offer the full refund, copy of proof of purchase local car hire company '' We never used the service from rentalcars.com. It may be Chase 's third party, but how we explained that XXXX XXXX XXXX XXXX didn't have our reservation at all. We didn't book a car on that day with them. We used XXXX and the following days with XXXX. 

Chase has been aware of this problem since day one, so the communication needs to be between the third-party system, the car rental company, and Chase.
Product: Debt collection

CONVERGENT OUTSOURCING, INC. wrote says it took off my acct, still is on my cr bur acct
Product: Checking or savings account

I have a very good XXXX XXXX but Since last year, every account bank I open, they close my account with suspect activity and flag because my work is cash and even my credit card account also same thing starting from ChaseXXXXI have a XXXX XXXX XXXX credit card account with the limit for more than {$30000.00} and I never have late fee and I always follow up the rules with the credit card account and the bank account also but Chase close my account and close my credit card account from this day.same thing happened with XXXX  XXXX bank Every bank I open or I try to open also credit card account, they close it without no reason
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that Experian place a credit freeze on my account. Over a dozen times since XXXX XXXX, i have place a freeze and Experian allows the freeze to be removed through its automated online system. I have requested three times that the " member account '' be deleted and to allow me to establish a new one that I control, not the fraudster. I have faxed the requested information ( driver 's license, social security, address ) to Experian three times. They have done nothing. Most recently, I froze my account on the XXXX XXXX XXXX and faxed the information to cancel the existing account and open a new legit account. On XX/XX/, someone unfroze my account. On XXXX XXXX Experian told me they have no record of receiving my faxed information. 

Further, I asked that Experian remove all hard inquiries that have occurred since the last time I made a legitimate request for credit. Experian tells me that I will have to go one by one with the name of the creditor and the date of the inquiry in order to remove them, a process that will take hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I did not have late payments XXXX XXXX XXXX I did not have late payments XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX  XXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX  opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Block inc specifically Cash App due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Cash app failed and refused to take timely and effective measures to prevent fraud leaving my account vulnerable and unprotected. Also their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protect consumer XXXX XXXX has submitted complaint to Equifax for they're violation of my consumer rights. They haven't remove and deleted the requested accounts and I am requesting they're method of Verification pursuant The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Reporting these false information is in violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 602 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, and respect to the consumer 's right to privacy. Remove all information in the document attached or will be held civil and criminal liable for damages pursuant to Sec 616 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019
Product: Debt collection

Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.
Product: Checking or savings account

Hello! 

I am reaching out to open a new complaint based on my previous complaint that was unfairly closed. Bank of America claimed that it could not confirm I was the individual who submitted the complaint. A representative named XXXX XXXX emailed me and I responded to that message AND left a voicemail within 7 days of receiving communication ( see XXXX Attachment ). XXXX emailed me on XX/XX/2020 and asked me to reply before XX/XX/2020 to confim my identity. I completed all these steps but was ignored. My complaint was subsequently closed. Once again, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded. I have also attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX due to being not properly investigated. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts with XXXX, XXXX, and Experian have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 a late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report. 
Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

On XXXX XXXX I received notification via credit monitoring system that a new account had been added to my credit report. The Alert also came in through various credit monitoring memberships. When I looked at the notice it showed a company named Vance and Huffman LLC had reported a collections to my credit file on all 3 bureaus. I do not recognize this company and I have not received any written communication from this company. I have not entered into any business or relationship with this company ; yet, it reported a debt to my credit files unbeknownst to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX XXXX can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX XXXX Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Product: Money transfer, virtual currency, or money service

I'm am trying to link my PNC account to an investment app called XXXX, but my bank is not allowing me to.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I seen some unfamiliar inquiries on my report I went into further investigation and they were unauthorized, wasnt me.
Product: Debt collection

I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed.

Fraudulent Accounts to Block and Delete : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I sent a dispute letter on XX/XX/2022 to United Revenue Collection Service, I asked for proof of practice and proof of any legal obligation to pay them, Ive asked them to provided a copy of my signature with the provider of service to release my information to them. Ive asked them to please provide me with a verified certificate of authority, and proof that their company is licensed to collect debt in my state, also, Ive ask them to provide me with a license number. XXXX XXXX sent a response to me and only provided me with description of charges, amount, patient number, date of call, reason of transport, and nothing else of what I asked for. More over, I have never lived at the address they have on file. I receive numerous calls from this agency in a day to day basis. I would like this off my credit if this company can not provide me with the information I asked for. Im hoping to receiving the documentation I asked for by the owners XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX from United Revenue Collection Service.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Letter sent to the bank on XX/XX/XXXX. Tried for 3 days to call, either no number available, or on hold for 45 minutes, twice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX Re : Plan XXXX XXXX : I had received a letter from the Social Security Administration ( `` SSA '' ) concerning Potential Private Retirement Benefit Information under plan XXXX 

I had been an employee of XXXX  which had been taken over by XXXX XXXX XXXX Bank. The last address of record that I remember giving to the plan administrator was XXXX 

The document from SSA indicates a value of $ XXXX, reported in XXXX. Copy of the letter, which has my social security number is attached. 

Could you please review your records to see if the balance, or any portion is still undistributed? If you have any questions, please contact me via e-mail at XXXX 

Thank you for your consideration. 

/s/ Att : letter from Social Security
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries from XXXX. I have never applied for their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off XXXX. XXXX, since then the company has continued to add to the balance even though they have charged the account off. From my understanding if the account is charged off it is a dead account and should have no activity, yet this account was reporting a balance increase each month as well as being open. When I disputed this information the company closed the account however, they are still increasing the balance. How can a closed account or charged off balance increase every month for over 2 years? The company refuses to communicate with me, as I have mailed several letters to them.
Product: Debt collection

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.