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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX 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.
Product: Money transfer, virtual currency, or money service

XX/XX/22 I responded to a XXXX ad offering to sell a concert ticket which would be transferred virtually. The seller agreed to the exchange requested a Cashapp payment via craigslist email. 

I made a payment of {$50.00} via Cashapp, which came out of my XXXX debit card issued by my bank, XXXX XXXX XXXX. Cashapp sent the payment to the seller, " XXXX XXXX '' who accepted the payment. 

After being ignored by the seller and not receiving my ticket ( instant virtual delivery via email ) I submitted the issue to Cashapp, who says that they will look into it and get back to me by XX/XX/XXXX. I see no other way to contact them directly.
Product: Debt collection

Hello, I have received my first notice about the debt collection. I responded to the letter by making a {$300.00} payment immediately. I followed with another payment of {$200.00}. Then another payment of {$200.00}. I was left with a {$500.00} balance out of {$1100.00}. When I received a notice for it, I immediately paid {$250.00} over the website. And for the remaining balance, I called the collection agency to pay over the phone. I was never notified may account was reported and when I found out I requested my report to be removed and deleted from my credit report because it damaged my credit tremendously by a negative of 100 FICO score. I was told they do not report to the credit bureaus, it is on a regular schedule. I asked do you guys report start or end of the month? I was not given a definite answer. After payment my balance I did not feel reassured my collections account would be deleted on my credit report. Now here I am with a paid off balance. The collection account was reported on XX/XX/XXXX, instead of XX/XX/XXXX when it was originatelly dated. I want this account removed from my credit report. If they are unsuccessful, I will dispute a fraud chargeback with my bank account immediately, which was used to pay for the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Mortgage

We fell XXXX behind in XXXX XXXXdue to family emergency and loss wages then applied for a midigation which took XXXX for a determination at which they wouldn't take payment during this time.in XXXX they set a repayment plan for XXXX at {$1800.00} a month I was affected by XXXX in XXXX and couldn't pay the {$1800.00} XXXX XXXX and was denied a directed to get on tge forbarance program which is still in affect.However I got word thru a freind that my home was up for auction and when I contact the Mortgage company US Bank home mortgage in XXXX I learned there's a extra {$19000.00} on my loan that has no clear understandable explanation which has brought my principal balance up to $ XXXXI need help resolving this matter and saving my home that I've owned XXXX and don't wan na loose.I currently owe {$6000.00} but is afraid paying it won't save my home due to the extra {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX
Product: Consumer Loan

I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.
Product: Debt collection

Diversified Adjustment Service, Inc. ( hereinafter DAS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. DAS lacks a bonafide and meaningful relationship with me, meaning DAS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by DAS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, DAS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, DAS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that DAS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from DAS, I was able to mail them a notice of dispute more than 30 days ago, and requested that DAS provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that DAS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that DAS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Product: Credit reporting or other personal consumer reports

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.
Product: Debt collection

We lived in the XXXX at XXXX XXXX from XXXX XXXX XXXX. At around XXXX or XXXX of XXXX we could tell there was a change in management. We were waiting for our written notice for renewing our lease, in order to tell them we will not be renewing, but this notice never happened. In the past this notice was sent back around XXXX or XXXX for us. The purpose of including this is to show how disorganized they were. My husband decided to contact them at the end of XXXX to end our lease. Of course due to rising XXXX concerns, they were no longer in office. It took us a week of leaving voicemails to get ahold of them. My husband explained the situation that we will not be renewing our lease and when can we leave by to not have a charge. The company told us we could leave by XX/XX/XXXX, and that our balance would just be the remaining rent for that XXXX balance, which was around {$400.00}. We agreed on these terms, paid our balance and moved our. A month later we received a bill from them of {$900.00}. We had no idea what we were getting charged for so much husband tried to contact them. Again no one was in the office so we got no call back from all the voicemails left. After I sent an email we got a call back stating that the balance was from us leaving early. This was not something that was stated to us as they agreed we could leave XX/XX/XXXX with no debt owed but the {$400.00}. The company said they would call us back the next day to solve our issue. This call never happened, and in fact they ignored all our calls and emails to dispute this and within a few weeks sent this to collections. I now have a hit on my credit due to this and the company refuses to fix our issue. We are asking if we could please solve this so I could get it removed thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX, XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian is showing one of my credit card account as being closed. XXXX XXXX XXXX. I've been in contact with XXXX and they assured me that the account is opened and in excellent standing. I've been using the card regularly as well. XXXX  and XXXX both are showing this account being active and with the correct line of credit. Experian on the other hand, has removed my available credit line from my XXXX XXXX XXXXccount as well as deducting that amount from my total line of credit. I don't understand why they are not taking this as seriously as I am. XXXX XXXX  informed me that they notify all credit reporting agencies on a monthly basis, and the problem that I'm having, is with Experian, which I totally agree. Every time I contact Experian about this, all they say is to file a dispute, which I have. But Experian doesn't realize that the dispute is with them, not with XXXX XXXX I hoping you the CFPB, could help me with this. Thank you.
Product: Debt collection

See letter attached. I am also unable to forward this response per USPS postal agent yesterday. po box and zip code FL XXXX combination is incorrect. The postal agent refused processing.
Product: Credit reporting or other personal consumer reports

These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than XXXX business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I am sending this letter to advise that there is information on my credit report that is wrong and that needs to be address and under the 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES ( from here on referred to as FCRA ).

The first thing that needs to be addressed is the personal information listed on my reports. I have never lived at any of the addresses, and they MUST be removed as they are a part of the fraud accounts and under the FCRA they are to be removed and blocked from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to address the account XXXX are FRAUD on my credit report as I have never opened the accounts nor have, I allowed anyone to open the accounts in my name. I have not gained any benefits from the accounts being open. Under section 1681c2. Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. The following accounts are to be removed and blocked from my credit report indefinitely due to Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX NavyFederal XX/XX/XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602A. 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

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without written instructions.
Product: Credit card or prepaid card

Please read the email message below that I have already sent to Consumer Financial Protection Bureau and Chase Corporation. Because I am concerned how my credit could be compromised or damaged by ID theft and fraud, I am forwarding the original message to your office. 


from : XXXX XXXX XXXX to : XXXX XXXX : XXXX date : XX/XX/2022, XXXX XXXX subject : possible ID theft and/or credit or debit card fraud mailed-by : XXXX To Whom It May Concern : Today on my cell phone I received an automated message from Chase at XXXX reading XXXX " We Have Restricted Your Debit/Atm Card Due to Some Unusual Activity Detected, To Restore Follow ... '' This is highly suspicious because the debit card I carry is NOT Chase, but one connected to my XXXX XXXX XXXX XXXX XXXX XXXX. Also, the credit card I carry from XXXX XXXX Bank has an XXXX XXXX logo on it. 

For this reason I am contacting the Consumer Financial Protection Bureau and Chase Corporation. 

If anyone is using my name, financial credit and any credit card or debit card issued in my name please forward the information to the FBI and any applicable local and State police. If the Chase card in question was used in a XXXX country, in XXXX for example, please also report the crime to local, provincial and national law enforcement agencies in that foreign country or countries. 

Finally, if another person is using my identity or credit this must be put to a Stop and arrest rather than only be Restricted. I have NOT authorized any other user of any debit or credit card that I carry or have carried in the past. 

Sincerely : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification that XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  all had inquiries to my credit report and someone was trying to open credit cards in my name. I contacted all of these banks and reported the fraud. 
On XX/XX/year> I reviewed my credit report through Exparian and froze my credit and also added Experian identity works alerts for a cost of {$4.00} per month. 
On XX/XX/year> I received a text message from my Experian app that said I cancelled my membership in the Experian identity works. I did not cancel this membership! I was able to open my account on the Experian mobile app and saw that my email address and phone number were changed to different than mine. Yes, some had stolen my identity using the Experian website!! I immediately reached out to Experian and after some effort I was able to reach an Experian employee and tell them what had happened and was able to refreeze my credit. I was told by Experian that I would need to send them proof of my identity which included my license, SS card, proof of addresses and a letter detailing what happened. All of this information was express mailed to Experian the same day and was received by them on XXXX.I have called Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, ,and XX/XX/year> to get updates on the case that was opened and I'm still waiting for someone to call me back to restore my access to the Experian website. On the occasion that I have spoken to the membership department at Experian they have told me they have received all of my documentation and have confirmed my identity but they are waiting for the escalation team to confirm everything before my account. They have no time frame of when this will be done, and as of this date I have not received any phone calls from Experian.
Product: Credit reporting

They are stating I was billed and NEVER did I receive a bill from neither the collection agency or the actual doctor and this is affecting my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX Account never belonged to me and after disputing the account with XXXX XXXX they sent me a letter stating they would remove the item due to fraud.A month went by the account didn't appear on my credit however I just checked my report today as of XX/XX/2019 and XXXX XXXX is back on my report due to the FCRA this is totally illegal and I have grounds to sue. This is causing me trouble being that I want to purchase a home.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

Portfolio Recovery Associates , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXXXXXX XXXX  I disputed the debt with XXXX and the debt was appropriately removed from my XXXX account but still remains active on my XXXX and XXXX account. Portfolio Recovery is not currently licensed in XXXX to operate which makes them in violation of XXXX XXXX XXXX.
Product: Checking or savings account

In XXXX of XXXX, I opened an Advantage Banking checking account at Bank of America. I applied for the account as part of a promotion, where BofA was advertising a {$300.00} promotional bonus for accounts opened by XX/XX/XXXX, if {$4000.00} was deposited via direct deposits within XXXX days of account opening. After opening the account, I called BofA to make sure that the promotional offer was attached to my account, so that I would receive the bonus after completing the requirements. I was informed that the promotional offer was not showing up on my account, but that once I completed the requirements I should call BofA and provide the code XXXX and the {$300.00} promotional bonus would be manually credited to my account. 

I have completed the advertised requirements, insofar as I opened the account in XX/XX/XXXX XXXX prior to the XX/XX/XXXX deadline ) and I received $ XXXX in direct deposits from my employer ( {$3400.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX ). 

I called BofA on XX/XX/XXXX, with the code XXXX, as I had been instructed to do. I spoke with an agent who told me that I was not eligible for the promotional offer because it expired on XX/XX/XXXX. However, the terms of the offer state only that the account must be *opened* by XX/XX/XXXX -- *not* that XX/XX/XXXX is the last date on which promotional bonuses will be handed out. I have completed the advertised requirements and would like the advertised {$300.00} promotional bonus. 

For reference, the relevant terms of the offer are as follows : " Open a new eligible Bank of America personal checking account by XX/XX/XXXX ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within XXXX ( XXXX ) days of account opening. '' I have completed both of the requirements listed here. I was previously told that I would be manually credited the bonus after completing the requirements. I ask that I be credited the {$300.00} bonus as promised.