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

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus TransUnion and XXXX. On XX/XX/2022, TransUnion personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOW DISPUTED THIS ACCOUNT 5 OR MORE TIMES NOW XX/XX/XXXX XXXX XXXX OR TRANSUNION HAS YET TO PROVIDE ANY CONTRACT OR PROOF THAT THIS ACCOUNT BELONGS TO ME REMOVE THIS ACCOUNT FROM MY CREDIT I NEVER APPILED FOR IT
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXXr account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/XXXX. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Due to our payment due date ( XXXX XXXX, 2015 ) falling on a Saturday, Chase posted an announcement on Chase.com stating that payments received by Monday, XXXX XXXX, 2015 would not be considered late. On Monday, XXXX XXXX, 2015 at XXXX EST, I made our monthly mortgage payment on Chase.com from an External Checking Account. According to the information displayed on Chase.com online payment screen, the cutoff time for " same day payments '' from an External account is XXXX EST and XXXX when paying from a Chase account. 

There is an error within Chases online payment system that Chase is ignoring. I presented this same issue to Chase about a year ago and see that it is still a problem with classifying payments made from External accounts prior to XXXX EST as Same Day payments. 

Not only for myself, but other consumers, this gap is causing consumer to be billed late fees in error and potentially causing delinquency for some. When I spoke to the representative in Chase Online Banking department on XXXX/XXXX/15, they said they were unable to make any adjustments due to the payment posting after XXXX/XXXX/15 when they clearly see that I made the payment at XXXX EST on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.
Product: Debt collection

There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of XXXX. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX  who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue stress and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights.

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

XX/XX/XXXX I was a victim on theft. Individua made unauthorized charges on my credit cards. I called Experian to close sever of my credit cards and I had an alerts and seven years lock in my credit report. XXXX XXXX I send a police report get everything fix. XXXX I find one of this charges back on my credit report. And called to dispute the charges I send the police report certified mail. And the respond is irrelevant I did everything from XXXX till XXXX. How can a charges goes back on my credit report from XXXX?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is reporting inaccurate and outdated information that has an adverse impact on my credit file. I have disputed the information in my report from Paramount Capital Group which shows I have a past due balance. That information is incorrect and also doesnt show the show a complete accurate and correct historical data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an alleged debt reported by XXXX to all three credit bureau however each time Ive disputed the alleged debt all three bureaus have stated that XXXX has disagreed with dispute and therefore the alleged debt has remained on all three bureaus. XXXX  reporter to the bureaus that I opened and established a loan in XX/XX/2005 with them however I was not a college student. I asked the bureaus what form of verification did XXXX provide to them supporting the alleged debt however they were unable to confirm the documents. I also inquired from the bureaus is there any documents that I could give to confirm that I wasnt a college student and nor that I ever entered a loan agreement with XXXX. I also asked the bureaus if XXXX provided any original signed agreements supporting the alleged debt however I received no response, they were unable to provide that information. I am asking that the alleged debt of XXXX be removed from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
Product: Checking or savings account

On XX/XX/2021 a check # XXXX written by myself to XXXXXXXX XXXX for {$240.00} for a Doctor bill was deposited into an account at Fifth Third Bank in Ohio. I have contacted Fifth Third Bank on XX/XX/2021 and explained that this check was never received by the intended payee and that they do not have an account with Fifth Third Bank which was confirmed by Fifth Third Bank. I requested my {$240.00} be returned to my checking account and the Bank manager refused to help me and stated I needed to have my Bank XXXX XXXXXXXX XXXX Contact Fifth Third Bank which I did. On XX/XX/2021 XXXX XXXX XXXX over night express mailed a copy of the deposited check front and back, as well as information from the Federal Reserve, my account number and the routing number and requested that the {$240.00} be returned to my checking account asap. They also informed Fifth Third Bank that they believe this check # XXXX for {$240.00} was intercepted in the mail and deposited fraudulently since the intended payee does not hold any accounts with Fifth Third Bank. It is XX/XX/2021 and Fifth Third Bank has not responded to any documentation from my bank or returned my fraudulently deposited check that they had no right to negotiate since the payee holds no accounts with their Bank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at 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 as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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: Credit card

I'm on the phone with " XXXX '', the second person I've spoken with, trying to close my account. It has been XXXX minutes. Both these individuals have lied repeatedly, claiming to need information about my other credit cards, checking and savings accounts, verification by texts, passwords, last XXXX numbers of the account I use to pay the invoice -- all to simply close this account. XXXX refuses to close it and wants me to call back later. He has said " just another second '' at least XXXX times. This is simply a stalling technique. He is now demanding to know how many times I tried to charge each of the charges that were declined. Because I could not say how many times I tried to charge a particular purchase, he insisted he could not close my account. Finally, he asked what I meant by " close my account ''. Then he asked me to call back. He's clearly trying to get me to hang up so I can't close the account. Now after keeping me on the phone for XXXX minutes he's transferring me to another account specialist. I object. He does it anyway. Says he does not have the power to close it. Now he puts me on hold. Now I'm talking with XXXX, who tries to convince me not to close the account. At XXXX hr and XXXX min he finally closes my account. I ask to whom I can complain about these abusive practices and he will not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}.
Product: Debt collection

XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX
Product: Credit card or prepaid card

Dear Sir ( Bank of America credit Card ) I have visa & Master with you My problem I received from you credit balance refund ( refund check XXXX ) XXXX I called and I have case number with Bank of America XXXX and another case XXXX Accounting ending XXXX my address XXXX XXXX XXXX XXXX XXXX New Jersey I received letter from you say the check is cashed by XXXX XXXX I went and they give me letter say not cashed it is return to Bank of America Them number or reference XXXX ( XXXX XXXX  Reference ) Please I lost between you and XXXX XXXX -I have letter from u and letter from them and no money How I can you and them contact how I can you and them communication together Now I, m lost between you and XXXX XXXX  Please see what I enclosed ( them letter -urs letter copy from the check ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX-New Jersey
Product: Debt collection

We are working with a debt relief company and have included the company Conn's.We have been inundated with phone calls up to 20 times each day.We have informed them that we are involved with a debt relief company and they are still harassing us.My husband and I have the calls on our phones and can provide this information.
Product: Debt collection

XXXX XXXX XXXX took a few hundred dollars of tee time money from our golfers and were not supposed to ; we asked them to stop and send it to us and instead they did it again. We asked for it back and waited a couple weeks, then asked again. We finally got frustrated with the way they do business and went with a different golf software. They never sent the check. This began in XX/XX/XXXX. 

About 4 weeks later they contacted us asking for payment and we told them we have clearly not been using their software. They threatened us and we told them to cease and desist since they breached the agreement and we went with an honest software provider. They are a very dishonest company and so is the collections firm. 
the collections company stated : " Satisfactory arrangements have not been made to resolve this obligation to our client. As a construction and building material company, our client has specific remedies at its disposal to pursue satisfaction of the above referenced account. '' They are a tech company providing cloud based software solutions to the golf industry, they are lying and saying they are a " construction and building material company '' so they can utilize collection methods that would otherwise be illegal. This is fraud and a material fabrication. This are a couple of very dishonest companies and they should be investigated. I have heard a lot of other golf courses left XXXX  due to their dishonest business practices. Our lawyer is sending this collections firm a cease and desist. We would appreciate some help as what they are doing is definitely illegal. 

XX/XX/XXXX An email was sent to us requesting we pay {$4300.00} this is false, we have yet to receive a check back from them
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records. 
I have also directly contacted the companies associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

My identity was stolen and is found weekly on the dark web. also, my identity was used to try and claim unemployment in multiple atates. also, my checkimg accounta were frauded and money was stolen with my debit and credit card numbers. my wallet with social security numbers and card, ID, and cell phone was stolen with my tax id numbers. synovis bank ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  dept of labor, and XXXX  dept of labor was frauded. also mail theft and email with my XXXX XXXX were hacked and compromised. my XXXX  email was hacked. i suspect XXXX XXXX and XXXX XXXX were reposible for this. please contct me woth any questions. 

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

A fraudulent account was opened with XXXX XXXXXXXX XXXX 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account