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

Hello My name is XXXX XXXX XXXX XXXX. I'm not too sure where else to go with this, but for the past few years I have been trying to figure out and resolve an adverse action on my account, which from what I understand is showing on my transunion report, however, I have pulled my credit report dozens times and there is no direct information on it whatsoever. I've taken to talk with Transunion over the phone multiple times, once for a couple hours trying to look into and figure out what it is from or where it even came from to no avail, they either can't find anything on their end and/or do not return a call when they tell me they will do so and I start the process over again. 

The only odd thing on my report is that XXXX of the special messages on the report states INPUT CURRENT ADDRESS REPORTED MISUSED AND REQUIRES FURTHER INVESTIGATION, and I'm wondering if that is the reason because I can't find any other reason. I don't know what that would even be from as I have not once misused an/my address or anything of the sort. I tried calling and talking to Transunion about that as well, yet no one found any information regarding that nor removed it from the report when asked. I was advised to see if maybe you all can help me track this down so I can get information need to resolve it. I really hope you can help me because I'm not sure where else to go with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft XXXX-XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft MERCEDES BENZ FINANCIA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to remove a freeze from my credit history placed by Equifax. 
I have spoke with the on several occasions over the past two weeks and done everything they have asked ; they still will not remove the freeze. 
I dont live near them so I cant go in person, the last person I spoke with disconnected me. 
We lost a potential new home because to this issue, We are thinking a taking legal action against them. 
Do you think you can help??
Product: Credit reporting or other personal consumer reports

I have requested the accuracy of my report. Midland credit has this collection as an open status. I have requested to show the account closed and XXXX close the account and then reopened twice. Midland has various variations on my credit file. The collection company is providing inaccurate information on my file. Please remove due to the open and closing this account multiple times. The account is inaccurate and continues to report as an open account. The FCRA states removal of inaccurate information.The open date is inaccurate XX/XX/year>. It also shows Midland as the original creditor. Please remove due to the many errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with Lowes/XXXX XXXX has been horrible since XXXX when problems with their credit card as ruined my credit report since then. In XXXX my Lowe 's credit card had a withdrawal of {$250.00} dollars without my consent from my checking account. I called customer service and explained what happened, the person from customer service told me that it must of been one number off of someone else 's account number and the withdrawal should not happen again.From there I had to go to my bank which is XXXX and fill paper work out to get my money put back into my checking account, which they did. So I decided to cancel that credit card and open a new one just to be same. A year later the same problem happened again. {$250.00} dollars was taken out of my checking account without my consent. Again I called customer service and they explained that should of never taken place. Then once again had to go to XXXX fill out paper work to get my money back. Once again they had to get my money back from that withdrawal. But as all this was going on I was still making payments on my Lowe 's credit card bill like always. I notice that all my payments where being returned to me and late fees and interest charges where being placed onto my credit card bills. Come to find out XXXX had shut down all my transaction between Lowe 's and XXXX without me knowing and telling me that they had done that until I found out for my self which was very upsetting to me. Unfortunately because of their mistakes my credit rating has suffered immensely! I was taking to court by XXXX XXXX and paid off all my debt so I thought. I find out that I still have a Lowe 's credit card with a balance that has been charged off? I am looking for some help on getting this resolved and my credit rating to be improved. I'm also on XXXX and can not afford to pay off the debt at this time. If it wasn't Lowe 's / XXXX XXXX and XXXX I would not this dilemma. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

improper use of consumer report. i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. ( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, XXXX and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$33000.00} from XXXX XXXX  and {$39000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that info
rmation in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I did not authorize any credit checks to proceed with my personal information that is now a hard inquiry on my credit
Product: Credit reporting or other personal consumer reports

I filed a bankruptcy, and it was complete XX/XX/year>. However, all of the accounts in the bankruptcy are no longer there except for XXXX accounts, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) they are still reporting that I have a high balance on this account, even though they are in the bankruptcy. I have reached out to all these companies ; they tell me that the credit bureaus are not reporting accurately. I call the credit bureaus, and they say they are reporting what the companies report. These items are reporting negatives on my credit report. I want the accounts off my report. I have disputed those account over 5 times.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc ) due to indequate customer service and unfair practice. Which violates the CFPA. Specifically cash app failed to take timely and effective measures to address fraud on their platform.Leaving my account vulnerable and unprotected. Their dispute process was deceptive and unfair they didnt comply with error of resolution under efta and regulation E this cause a financial loss and inconvenience and I seek appropriate redress for these violations
Product: Debt collection

I received a letter in the mail about an old debt and reached out to the company Express Collections to try and make payment arrangements and was told if I didnt pay a certain amount I would be sued and that whatever payments I made wouldnt matter if they werent the amount they wanted. Ive been receiving multiple harassing phone calls on my personal phone as well as at work. I dont have a lot of money and tried to explain this to them and offered as much as I could but it wasnt enough for them.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here.
Product: Credit card

Continue case # XXXX, CHASE has admitted that on XXXX/XXXX/XXXX I requested a stop-payment to XXXX. I meant I requested CHASE to stop all payments to XXXX from XXXX/XXXX/XXXX on and to the future because I had a dispute with XXXX on their services, and CHASE 's representative at that time had clearly promised me that she would not accept any charges from XXXX. I am totally against CHASE 's newest statements responsed to CFPB on XXXX/XXXX/XXXX that stated " the representative informed you that because no transactions had previously been made with XXXX XXXX, we could not place a stop-payment for them on your account. ''
Product: Credit reporting or other personal consumer reports

Each XXXX, we ( husband and wife ) submit Free Annual Credit Reports requests at www.AnnualCreditReport.com and mail individually-completed request forms requesting our free annual credit reports from Equifax, XXXX and XXXX. XXXX and XXXX have always furnished these promptly by mail but Equifax has not, and when we followed-up with them, they mailed us information stating they could not find annual credit reports based on the information we provided to Annual Credit Report while both XXXX and XXXX were XXXX to. However, Equifax was able to provide free annual credit reports to both of us last year, but not this year or the year before last ( 2023 ). We are concerned about their failure to provide our free annual credit reports and their indication they could not find credit files for us. We ask CFPB to intervene with Equifax and direct them to provide our reports as requested.
Product: Credit card

I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.
Product: Checking or savings account

I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.
Product: Credit reporting or other personal consumer reports

Trans Union credit report will not remove an item in collections on my credit report. I have requested many times that they verify the information that is not mine and it continuously comes back as verified. I have reported and put a freeze on my credit credit and identity theft but they do not seem to care. 

I requested multiple times that this removed even provided them copies of police reports and they still do not take it off This is for merchant, XXXX XXXX for a company in which I am not associated
Product: Debt collection

I called XXXX XXXX  the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of {$3500.00}. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.
Product: Credit card

Dear CFPB Representative, I am writing to formally file a complaint against American Express for violating the Military Lending Act ( MLA ) in my case. I am currently on XXXX XXXX and have been wrongfully charged an annual fee on my American Express account, which I believe is in direct violation of the MLAs provisions protecting servicemembers from such fees. On XX/XX/XXXX, I contacted American Express to dispute the unauthorized charge and requested that they remove the fee. They responded by requesting documentation to verify my active-duty status and my eligibility for MLA protections . I promptly provided all requested documents through their designated process. As a result, American Expressed has applied MLA benefits to one of my accounts but refuses to apply them to my two other credit cards. The fact that American Express has reviewed my status and has determined I am eligible for MLA benefits clearly shows my other credit cards are also eligible. However, despite submitting the necessary information and following all their instructions, American Express has failed to remove the unauthorized fee from my account. Additionally, because the fee remains on my account, I am now accruing interest on charges that should not be there, further compounding the financial harm caused by their noncompliance. It has now been over three weeks since my initial contact with American Express, and they have yet to take corrective action. I am seeking immediate assistance from the CFPB to enforce my rights under the Military Lending Act and compel American Express to : 1. Remove the unauthorized fees from my account. 2. Refund any interest or charges that have accrued as a result of these fees. 3. Ensure compliance with the MLA for my account moving forward. I appreciate your prompt attention to this matter, as this ongoing issue is negatively impacting my financial well-being. Please let me know if you require any further documentation or information from my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both XXXX and Equifax. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?
Product: Debt collection

I receive phone calls and voice messages from the credit card company every single day. 
I sent an email to them to stop calling and still call. 
I notified them that I am working with a XXXX XXXX XXXX, with a phone to contact my case worker, but they still call. 
I have tried to block them on my phone and I can't block because it is a toll free number. 

The company that keeps repeating these calls is, Synchrony Bank. 
They are a creditor listed with my XXXX XXXX XXXX and my case worker has tried to contact them several times wit no prevail.