23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. THE BUREAUS and PORTFOLIO RECOVERY 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 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific accounts that were incorrectly reporting late payments, including those from XXXX XXXX and XXXX XXXX. According to XXXX U.S.C. XXXX and related regulations, these inaccuracies constitute billing errors that need to be rectified. 

Additionally, I raised concerns about collections from XXXX XXXX and XXXX XXXX XXXX, citing XXXX U.S.C. XXXX ( b ), which mandates that all information reported must be XXXX XXXX accurate across all credit bureaus. I requested validation of these debts under XXXX U.S.C. XXXX, emphasizing that if the required proof was not provided, the inaccurate items should be removed from my report. 

I also addressed unauthorized hard inquiries from several creditors, invoking XXXX U.S.C. XXXX ( c ) ( 3 ) to demand their deletion. Furthermore, I pointed out inaccuracies in my personal information, specifically incorrect addresses, which also need to be corrected under the Fair Credit Reporting Act ( FCRA ). 

Under XXXX U.S.C. XXXX, I reminded TransUnion of their legal obligation to investigate disputes and correct any inaccuracies within 30 days. I referenced case law, such as XXXX XXXX XXXXXXXX XXXX and XXXX XXXX Trans Union XXXX, to underscore the necessity of a thorough investigation beyond superficial checks. 

I made it clear that failure to address these issues could lead to liability under XXXX U.S.C. XXXX and XXXX for willful or negligent non-compliance. I expect a prompt and detailed response, including an updated credit report reflecting all necessary corrections. If these matters are not resolved within the legally mandated timeframe, I am prepared to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursue legal remedies. My request for immediate attention to this matter is non-negotiable, and any delay will not be tolerated.
Product: Credit reporting or other personal consumer reports

i was in XXXX  when this account was open it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX/XXXX XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

Signed up for a credit card with CareCredit ( which is Synchrony ) and was unaware that there would be a " Card Security '' fee every month. When speaking with " Card Security Services ''. I asked what the service actually did and they described it but failed to mention I'd be billed every month. Upon being told how the service worked I asked to terminate it and be refunded. They told me I would be ineligible for a refund on the fee if I cancelled. I said, " fine, whatever, just leave it on then '' and ended the call ( since I didn't know it was billed every month ). 

I found out I'd be billed monthly 30 minutes later and called back. On the second call the representative told me it had already been canceled on XX/XX/XXXX. This is not correct because they billed me on XX/XX/XXXX. They put me on hold and then came back and said " Actually we canceled it just now and have issued you a full refund '' and tried to get me off the phone. 

I asked who the representative who they worked for and the mood changed very quickly. They responded with " Card Security Services '' to which I replied " With Synchrony? '' and they were quiet and repeated " Card Security Services ''. I replied again, " Card Security Services, with Synchrony, right? '' and they reluctantly agreed. I asked where their office was so that I could best file my complaint with the CFPB and they said " XXXX ''. I asked, " XXXX? That's not an address ''. They put me on hold. They came back and gave me a XXXX XXXX XXXX to address complaints to. ( XXXX XXXX XXXX ). I confirmed that I would be getting a cancellation confirmation in writing in the mail and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these accounts gives me a reason to immediately repair the accounts from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please update and correct my accounts right away. 

XXXX XXXX  XXXX. XXXX, XXXX XXXX
Product: Debt collection

Please see attachments of the information I am demanding. If Resurgent Acquisitions, LLC., willfully fails to comply a civil penalty will apply. Comply with the notices. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received a XXXX Credit Card in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They told me they would investigate and I would hear back in XXXX days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and used, leaving a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case and that I would receive a call from her supervisor in 48 hours, I never received a call. 

On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a phone number but I was told by a representative that the phone number given was XXXX ( which is one digit off from my number ). The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I reported the identity theft to the police on XX/XX/XXXX and immediately mailed the report, copy of my credit report, identification, and a copy of CFPBs Notice to Furnishers of Information to Wells Fargo. 

On XX/XX/XXXX, I received another copy of the application and information on the transactions. The XXXX card was used in XXXX XXXXXXXX XXXX transactions on XX/XX/2023. Each transaction was for {$2600.00} and was paid towards rent at a XXXX property. Wells Fargo states again that they conducted a reasonable investigation and the evidence showed that I received and activated the credit card. Upon further research, I found that XXXX properties have different properties across the United States and they take the XXXXXXXX XXXX credit card. After investigating on my own I have found that the card was used to pay rent at a XXXX property in XXXX, TX. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

On XX/XX/XXXX, I was notified by an executive that the fraud department concluded their investigation for the second time and still found that there was not fraud but it was me who opened the credit card account. That same day I sent copies of my passport, social security number, bank statement, past addresses, emails from XXXX Police and XXXX XXXX XXXX XXXX XXXX, and police reports via certified mail. 

I called again on XX/XX/XXXX to ensure that the case was reopened and no one at the fraud department could give me any more information. I was told that it would take another 45 days to " investigate ''.
Product: Debt collection

XXXX XXXX XXXX DAMAGED MY CREDIT AND I NEVER HAD KNOWLEDGE OF THE DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by XXXX  -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX  XXXX  XXXX  -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

Equifax : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

Equifax also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false information.
Product: Debt collection

XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and Fraud and had someone open several accounts using my personal information and then default on those accounts which are reported on my credit reports. I filed a police report, submitted a FTC Fraud Affidavit, and disputed the fraudulent accounts with all three credit reporting agencies on XX/XX/2023. I included the police report and the fraud affidavit with the disputes which included, two different XXXX XXXX accounts, a XXXX XXXX account, a XXXX XXXX XXXX account, a XXXXXXXX XXXX XXXXXXXX account, a XXXX XXXX XXXX XXXX XXXX account, a XXXX XXXX loan, and a collection account from XXXX XXXX that was attempting to collect a debt from a fraudulent XXXX account. I also sent each of these companies the police report and fraud affidavit letting them know the accounts were a result of identity theft. 

I was under the impression that they had 30 days to respond to my disputes however, neither XXXX XXXX, Equifax or XXXX responded and when I checked my credit report the fraudulent accounts were still reporting. So, on XX/XX/2023 I decided to send my disputes again along with the police report and fraud affidavit to all three credit reporting agencies asking them to remove the fraudulent accounts from my credit report because they were hurting my credit and preventing me from being financially stable. 

I did get a response back from XXXX XXXX shortly after asking for more information which I had already provided including my Driver 's License, Social, and Address Verification. I again waited another 45 days and got no responses or confirmation in the mail that the accounts were deleted from the three credit reporting agencies. I checked my credit report and noticed that some of the accounts had been deleted. However, they were deleted from one bureau but not the other two or they were deleted from two bureaus but not one. It made no sense that one bureau would delete an account and the others wouldn't or two bureaus would delete the account but not the third. 

So, on XX/XX/2023 I decided to dispute the fraudulent accounts that were still reporting asking them how they verified these accounts and to send me documentation they used to verify the accounts which is what I read on they are required to do if requested. Again, I included the police report, the fraud affidavit and all of my verification documents and this time waited 60 days for a response and received nothing. I don't understand how these credit reporting agencies can just ignore you and not respond when you have ID Theft and fraudulent activity which is putting me at risk and causing me financially instability. 

I checked my credit reports, and these fraudulent accounts are still reporting, and I don't know what to do other than ask the CFPB to step in and investigate the credit reporting agencies. They are blatantly violating my rights that are supposed to be protected by Federal Law. I'm not sure how they're allowed to get away with this gross negligence.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my dispute process with Experian on XX/XX/2018. I sent the company a 609 letter asking them to verify the UNVERIFIED accounts listed on my credit report that are illegally impacting my score, I did this a total of 4 times! ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) ALL letters were sent certified mail, notarized, & I also provided a copy of my SSN & ID. The exact same response was sent to me EACH time verified account with NO evidence of binding me to these negative accounts on my report! no kind of documentation with my signature on it at all. It is now XX/XX/XXXX and the accounts still have not been verified. I need these accounts verified or DELETED. by law that is my right! to avoid legal action I would like to get these accounts verified or deleted!!
Product: Credit card

I filed a lost baggage claim with XXXX XXXX XXXX ( XXXX ) in XX/XX/2023 ( Claim # XXXX ). This is an advertised benefit offered by JP Morgan Chase issued Chase Sapphire Reserve credit card. 6+ months later, I am yet to receive a response for it. I havebeen asked to provide a number of clarification / additional documents which I have immediately provided. Yet my claim remains pending. I have called every week, and unable to reach a claims examiner over the phone. Literally every week, I receive the same response - " your callback is scheduled for 24-48 hours '' and " our large claims volume has slowed processing ''. I lost my bag after my wedding and am missing valuable items which me and wife need to replace. It is unacceptable that I have not been compensated for this long. The claim is for $ XXXX worth of lost items. I am disappointed that Chase continues to have a relationship with XXXX XXXX XXXX  ( XXXX ) for travel insurance services despite such poor customer services and issue resolution.
Product: Debt collection

I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX. 

Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # XXXX