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

XXXX XXXX XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease. 

Covered period The term Covered Period means the period beginning on XX/XX/year> and ending on the later of___ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/year> under the National Emergencies XXXX ( XXXX U.S.C. XXXX et seq. ) Terminates.
Product: Debt collection

This account by CARECREDIT was introduced by XXXX XXXX for 100 % finance for the multifocal lens implant so I could take the unnecessary surgery on XX/XX/. 
It resulted more problems on my left eye, instead of improving the vision as XXXX XXXX presented prior to the XXXX. I paid the XXXX installment and stopped further as I learned that the XXXX caused more damage than ever on my left eye. 

* Please refer to the details from the attached complaint made by me ( XXXX XXXX, patient )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried reaching out to this bureau several times about accounts and inquiries that are reporting on my credit. these are fraudulent accounts! i need this removed as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; STATE OF MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 or prepaid card

My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account over and over again with Equifax. The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.
Product: Credit reporting or other personal consumer reports

The loan assumption, with XXXXLakeview, removed me from the loan XXXXn XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXXXXXX XXXX XXXXn XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX-This isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : CAPITAL ONE XXXX
Product: Money transfer, virtual currency, or money service

I deposited XXXX XXXX XXXX money orders totally {$2100.00} into a bank of America ATM on XX/XX/2023. They rejected this money order and sent me a letter a few days later indicating they would return my money order. They never returned it so I went to my branch in XXXX XXXX, XXXX, WA to ask for help. 

They gave me a number to call and after a long time on the phone someone told me they would send me the money orders back but they never came. I was getting nervous because I was leaving the country for a month so I filled out some paperwork to allow them to send the money order directly to my bank branch so they could deposit it while I was out of the country. They never sent it back. 

When I returned home I went to my branch and they had received printed copies of the money orders, but not the originals. I called the number again and their representative told me the bank should be able to cash the money orders based on the images they sent. I went back to the bank and they couldn't cash them because the dollar amounts had been blacked out on the photocopies. After multiple frustrating phone calls ( where people around the country assured me they had resolved it ), someone at my branch suggested I have the money orders cancelled. 

The people who gave me the money orders had luckily kept the receipts, but when they went to cancel them, they found they had been cashed on XX/XX/XXXX, while they were in Bank of America 's custody. 

I called the number again and again trying to seek resolution. I asked to file a claim and they refused to put me in contact with the claims department. I found the department using the AI tool on my banking app and filed a claim. Bank of America credited my account with {$2100.00} while they were reviewing it but they rejected my claim and never gave me a reason. I called the claims department and expressed my frustration, asking for an explanation of how the money orders could have been cashed while in their custody. Even though they could have easily called XXXX XXXX and entered the money order numbers to check this themselves I faxed them copies of the receipts with all the relevant dates. After a few days they sent me a letter saying they had rejected my claim, providing no explanation. 

I called the complaints department again yesterday and they purposefully obfuscated. Their representative kept repeating, " We recommend that you cancel the checks '' even after I explained that their institution had cashed them already. 
I've spent many hours on this and it seems very clear : Bank of America stole {$2100.00} from me. My interactions with their representatives have led me to believe that they have an intentional policy not helping their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft. I am writing to dispute specific entries in my credit report resulting from this crime. The records in question do not pertain to any transactions involving goods, services, or money that I have made or authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$970.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Credit card or prepaid card

XXXX XXXX Two gift card purchases were made from XXXX fir a XXXX  gift card needed in order to pre pay for XXXX  account they told me I need to prepay because XXXX  has teamed with them for this promotion. The XXXX  scammers had there lines customer service exactly like XXXX, I would literally call and get XXXX  customer service that was set up so well. I applied for dispute and was denied. Im so upset that I was manipulated and my bank did nothing to help me. I have kids and single working mom. I really cant afford to loose this amount. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently contacted credit bureau about this matter. it seems my installment loan is not reporting to neither one of my credit bureaus.
Product: Vehicle loan or lease

We have decided to refinance with our bank and get out from Chase Auto, as there is no resolution to this matter. We have asked three times for them to mail our payoff to us and we still have not seen it. I have made sure they have the correct address, and they are not complying with anything that we have asked them to do. I have personally asked them three times to mail it out and still have not seen one in the mail. They are walking their way around it so now I'm going to ask for them to e-mail it to me. I have never dealt with such unprofessional people.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. 
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX  I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They are violating 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Section 616 & 617 611 ( 5 ) ( A ) of the FCR 15 U.S.C 1681 section 602 15 U.S.C 1681 Section 604 A Section 2 They did not provide me with the original application like I asked.

Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known IDA Inc? 

I received a letter from XXXX XXXX XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
Product: Credit reporting or other personal consumer reports

I have a account that has a XXXX balance called the company and was told that it was sold to collections they gave me the collections agency number I called and gave name ssn and date of birth and was told they have no account under that name and this is negatively impacting my credit!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several fraudulent entries on my credit report resulting from identity theft. My personal information was compromised in a recent data breach, leading to the unauthorized accounts, inquiries, and employment information listed below. I have never authorized these accounts, nor have I authorized the inquiries or the employment details.
Product: Debt collection

I received a notice in the mail around XXXX of XXXX stating that I was to appear in court because I was being sued by a debt collector called XXXX  Funding, original creditor XXXX, after I had recently attempted to dispute the negative account multiple times with all 3 credit bureaus.

I submitted my answer letter to both the court and the debt collector, requesting validation and proof of the debt. I received a notice from the court stating that they needed more information from the debt collector before they could proceed with the case and allowed so much time for the creditor to submit proof. LVNV FUNDING Corp. failed to provide this information and the case was dismissed by the court in XXXX of XXXX failure to prosecute with due diligence. In my initial response I requested that this negative debt be removed from my credit reports. As of XX/XX/XXXX it was still showing up. I went back to the courts to make sure that the case was actually dismissed and closed and they assured me at that time that it was. I then contacted all 3 credit bureaus and initiated another dispute against the creditor and mailed the debt collector a certified letter with copies of the court papers received showing the dismissed case and again requesting the removal of the account from my reports. A few days later I began receiving multiple letters in the mail from the debt collectors own debt collector and the whole thing appears to be reopen again under the creditor name of Resurgent/LVNV FUNDING Corp .
Product: Mortgage

XXXX. XXXX XXXX number : XXXXXXXXAs I was checking on my case Wells Fargo 's Response says : We have established contact with XXXX. XXXX XXXX legal representation XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX. XXXX XXXX loan concerning payment assistance. 
However, I called my attorney and he said they have never contacted him. 
So as usual they are n't doing anything. I got a letter from the VP of Wells Fargo saying they are checking in to it, but so far nothing is going on. 
Again, I had to file a new modification this month and the appraisals are going up and now they will be upping the value of my home. This is not fair and it is nothing but a run-around for homeowners who are trying to get things straight. 
They also keep sending me statements that I owe back interest of XXXX and I am in Bankruptcy court. How is that legal? Thank you for looking into this. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned about : XXXX XXXX