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

I am submitting this dispute on XXXX XXXX XXXX that is reporting on my experian credit report. This bank is reporting the account was opened in XX/XX/XXXX.This account had fraudulant activity on it and I reported it back in XX/XX/XXXX to XXXX XXXX XXXX that there was fraud. It has been proven and deleted off my other 2 credit reports ( XXXX and XXXX ) however experian is still reporting it. It is also reporting then it stops reporting for 2 years XX/XX/XXXX/XX/XX/XXXXthen they start reporting again then off again. This is completely wrong as having this incorrect information on my experian credit report is affecting my credit score in a negative way. I 've tried to resolve this issue with experian but to no avail I get nowhere. I want this account removed off my experian credit report. I should not be held liable for an account that was fraudulant.
Product: Checking or savings account

I disputed a charge for $XXXX dollars at a hotel that charged me for an extra night when I checked out that morning. My bank disputed the charge but now taking the money back out because they said I was there. Why would I pay for one week at that hotel and stay an extra day!? I was gone way before XXXX because I had to work at XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : XXXX 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 have attached a copy of my ID and will be filing a FTC report and Police report as well!
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Mercari in connection with the unjust limitation and pending closure of my account. I recently encountered an issue with a sale, specifically item ID : XXXX. 

On XX/XX/year>, the buyer received the item in question, following which they opened a return request, falsely claiming non-receipt. In response, I promptly provided Mercari with comprehensive evidence, including photographs showcasing the securely packed item, the XXXX drop-off receipt, and proof of delivery, which indicated the recorded weight of the package as XXXX lbs. This compelling evidence unequivocally disproves the buyers claim of receiving an empty box. 

Despite successfully completing the transaction, I was shocked to receive an email from Mercari moments ago, notifying me that my account has been limited and is pending closure. I firmly believe this notice was issued in error, as I have consistently adhered to Mercaris Terms and Conditions, ensuring compliance and transparency throughout my use of the platform.
Product: Debt collection

Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XX/XX/XXXX, I logged into XXXX to check my credit report & noticed XXXX fraudulent collection agency notifications : XXXX XXXX XXXX XXXX Sequium Asset Solution. Both companies were stating passed due bills for XXXX for {$350.00} each. XXXX XXXX XXXXXXXX acct # XXXX opened on XXXX XX/XX/XXXX Sequium Asset Solution acct # XXXX opened on XXXX XX/XX/XXXX Both accounts were created via identity theft as I do not have an XXXX account.
Product: Debt collection

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last XXXX SS : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau
Product: Debt collection

I set up arrangements for pay and are making payments and asked to not receive phone calls while doing so because they were interrupting my work day and was told if I refused phone calls they will report that I refused to make payments
Product: Credit card or prepaid card

This account is not mines and was opened in identity and fraud on my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge nor did I give consent to obtain my report for XXXX and XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

Last XXXX, my husband died, and he was listed on my car loan. When I reported this to Nissan to get him removed from the loan, they indicated I'd need to cancel the Gap Insurance and the Extended Service Contract, since his name was on that, before reinstating myself as the only person on the loan. The Gap Insurance process went fine, but since XXXX, I've sent the requested documents to Nissan by fax, mail, email, and text, at the addresses listed in the emails I've attached. each time I've been told they were not received. 

each time they keep opening new tickets for me, not noticing that I already have open tickets. I mailed these documents to them over two weeks ago and got confirmation from the USPS they were delivered. today, Nissan said they didn't receive them. My son faxed them for me over a month ago and it wasn't cheap. they said they didn't receive it. multiple emails ( attached below ), no confirmation of receipt or they say they didn't get it. I sent it via text message, they said the documents weren't readable ( they are ). 

I have lost all faith in the competence of Nissan as they are basically a complete obstacle to me getting this resolved and they are costing me money and time. I need an adult to step in and get their house in order.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : XXXX XXXX XXXX  XXXX, TX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ive been through human trafficking, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.
Product: Bank account or service

In XXXX 2014, I went to PNC Bank to pay on my loan at the XXXX XXXX, with the Branch Manager who is no longer there ... He mailed my payment, and a month later PNC called me from where the loan was being serviced and stated they did n't get my payment in XXXX ... I explained to them over the phone, that I made the payment with the branch manager at PNC XXXX and they should get in contact with them, and that I would also follow up on my payment ... .I went to the Branch and they said to me we mailed it to the Loan Servicing Dept. and Loan Servicing Dept. at PNC stated they would call the Branch ... I spoke with the XXXX XXXX, and the Branch Manager XXXX said the Loan Servicing Dept. at PNC never called to ask about the mailed payment ... .At this point it 's showing up on my credit reports without my knowledge which violate the fair credit reporting act ... I expect pnc to act in accordance with the fair credit reporting act and delete this account from my credit reports ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I applied to have my credit score fixed but Lexington LawI never never straighten out my credit issue I was charged every month but Lexington law never bail me out of the credit issue out they just took money from me change the amount of {$2200.00} and my credit history remains the same was never fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

I gave formal notice on XX/XX/year> per 15 USC 1681c2 to TransUnion and provided documentation, under the FCRA and law for the requested and required block of the listed accounts to be removed within four business days per identity theft. Not only was I a vicim and filed the report, I also signed the affidavit. Per certified mail records TransUnion received all of the documentation on XX/XX/year> and has FAILED to comply by law. Instead on XX/XX/year>, TransUnion sent a letter that was a lie and stated that they can not comply with the Fraud Block Request because they " Need More information Reason : <1> ''. According to TransUnions letter, that reason listed is, " Reason 1 : Your request is missing essential personal identifying information '', which is lie. I am hoping the CFPB reviews TransUnions false claims as I have been trying for over a year and TransUnion continue to send false letters and lie and it has hugely affected myself and my family. Not only did I submit all personal identifying information including my drivers license with my picture, a copy of my utility bill, signed personal affidavit, and FTC Identity Theft report identifying the details of the identity theft and identifying accounts and account numbers, I then submitted a CFPB complaint after receiving this letter. That complaint was sent to CFPB on XX/XX/year>. I attached all documents sent to TransUnion proving that I did in fact submit my essential personal identifying information. TransUnion received the complaint from the CFPB and all documents showing that I did submit all information to them including detail of the identity theft, and accounts. TransUnion responded on XX/XX/year> the to XXXX, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. ". As of XX/XX/year>, I received the exact same letter again from TransUnion saying the same thing which is false and stating that they are missing personal identifying information for them to place the Fraud Block on the listed accounts, which is not true. TransUnion did in fact put a Fraud Block and removed some of the accounts listed in my identity theft report but did not place it the following accounts and account numbers identified : XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX which are all a part of the report and remain on my credit report. Please see the attached documentation sent to TransUnion.
Product: Checking or savings account

XX/XX/2019 @ XXXX XXXX  Chase Bank ( NMLS ID XXXX ) they had made an unapproved, withdrawal for money @ {$120.00} ; XXXX was {$870.00} from Checking account # XXXX, and gave it all to the Department of Education for a student loan but the deduction doesnt show the balance.
Product: Credit card or prepaid card

I have a cash-back Costco-Citi credit card rewards certificate that was to be sent to me via XXXX transfer. I redeemed this on XX/XX/XXXX via the Citi App. However, it was not found in my checking account even after a week. 

Per call with Citi representative on XX/XX/XXXX, they reported a systemwide issue with XXXX and direct deposit accounts. They said they should send an email and letter with confirmation within a week, and that I should call back if not seen by then. 

No response was received, so I called on XX/XX/XXXX, and they had to set up a referral process to escalate the issue. The representative reported he has not seen anything like this before as these are usually " very straight forward '' - he said to check back by XX/XX/XXXX or XXXX, and that I should get an email by then. 

No response was received, so I called again on XX/XX/XXXX ; the representative reported that the referral was closed on XX/XX/XXXX and said it can take 1-2 days, but up to a week, for it to show up in my account. I asked if that meant that the deposit to my account had been approved, and he could not answer. He reported that he messaged the person who made the referral. He provided an update that the referral being closed doesn't indicate anything is finalized ; just that it is " still being worked on. '' I asked for a supervisor. 

XXXX, the supervisor, shared that I was misinformed, and that it takes 30 days to go through with the referral process. She let me know that she would personally call me on XX/XX/XXXX to give me an update. She referenced that " this is a brand new program and not everyone is educated on it, so we have been having some trouble. '' When asked if the money can be sent to me another way, she said no, because " it has already been sent '' After I did not receive a call from Citi by XX/XX/XXXX from a supervisor as they promised, I called again on XX/XX/XXXX and spoke with supervisor XXXX. She said that XXXX is out of office, but he sent her a message. He said he was unsure why she said she would call me when they are not allowed to make calls from their desks. I asked to file a formal complaint about this issue, as all correspondence has been initiated by me, with no follow up calls from the company. He asked that I wait a few more days to hear back from their team. I asked that I receive some sort of written correspondence regarding the contents of my complaint, or receipt of the complaint, or anything in writing that acknowledged the issue that was being dealt with on my account. They let me know that they could not do send me any acknowledgement of any aspect of my issue in writing. 

As of XX/XX/XXXX, I have not heard from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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

I sent several dispute letters to Equifax on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. 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 of such dispute, the agency shall reinvestigate free of charge 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.
Product: Debt collection

In 2018 i had to vacate my apartment to reasons that i could no longer afford it. So the regional manager over the apartment said to pay her XXXX dollars and my 1 year contract would be terminated and so i did pay her the XXXX dollars and since then all of my older paperwork with those details were destroyed in a fire so i cant access the records to prove that my contract should be terminated. I know for a fact that the management group that was running the complex at the time were involved in several illegal acts at the time. Several other people that have previously lived in the complex had sued them for such accusations.
Product: Debt collection

In the companys response, XXXX XXXX state that they reviewed business records that indicate that the account information it is furnishing to the three major credit reporting agencies is accurate. That is 100 % inaccurate! The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts that are posted on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even accounts that do not belong to me or are not reporting 100 % accurately! 
1. XXXX XXXX and XXXX are showing different date of open account and placed for collection dates with collection agency. 
2. XXXX XXXX and XXXX have different account statuses. 

Per XXXX XXXX, your previous request, the above-referenced account will remain marked Cease and Desist. While it remains due and owing. How can it remain due and owing when you have not properly verified what is due and owing, when there are multiple errors reporting on all credit reporting agencies and per The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the original creditor stated they no longer have the original signed consumer contract nor your company can furnish it? I would like the account to be removed immediately from all three major credit reporting agencies. Also, per FCRA 611, if every aspect of the account is not 100 % accurate it must be immediately deleted.