23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I receive calls about my supposedly 1 late payment multiple times per day. I get anywhere between 5-11 calls per day. It seems that they are harassing me because I made the last payment the day the billing statement came out and when I spoke to them they said that did n't count toward that month. I can understand 1 call per day but 5-11 calls per day is just harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item multiple times over the years and thought this was removed.

I recently received a copy of my credit report and found the following item ( s ) to be in error : The status is incorrect for the following account TN CHILD SUPPORT Account Number : 5368 According to Code 623 ( 1 ) ( a ), furnishers of information to consumer reporting agencies are prohibited from providing information with actual knowledge of errors. The reporting dates ARE NOT consistent across bureaus and I have documentation indicating that I have never been delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONSIVE I AM VICTIM OF IDENTITY THEFT. THIS FRAUDULENT UN-IDENTITFIED ACCOUNT IS NOT MINE. MY IDENTITY WAS STOLEN. PLEASE REMOVE AND BLOCK THIS FRAUDULENT ACCOUNT THAT IS NOT MINE. 

BLOCK AND REMOVE THIS ACCOUNT WHICH IS FRAUD : FRAUDULENT ACCOUNT XXXX XXXX XXXX  Collection/ CHARGE-OFF ) ATTACHED IS MY ID, FTC REPORT, SOCIAL SECURITY CARD, UTILITY BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries from XXXX I havent applied for any credit company failed to remove inquiries I did not authorized company also reporting incorrect information on my credit
Product: Credit reporting or other personal consumer reports

They keep sending me a form saying that my letter is not legible and that is the furthest from the truth. They keep sending me a letter back saying that they cant read my letter or something. Its illegible. Ill send proof of the letter that I keep getting. They will not investigateand I have sent them handwritten letter over 30 days ago. And I just sent a certified letter couple weeks ago I have proof of all of that. And they refused to investigate my enquiries.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ). and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred and closure of account because of overdraft fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions as Ive been a account holder since 2018
Product: Credit reporting

My credit card had a fraudulent charge posted to it and it took a few months for the credit card company to investigate and confirm that the charge was in fact not mine. I have not been able to get a straight answer from them as to whether or not this statement of fraud has been reported to the major credit bureaus. I am now looking to purchase a condo and just want to make sure that this is cleared up and is not showing that I have defaulted on payments when the charges were not mine and they took an extended time to investigate and told me it would be taken care of. I received a collections letter from a collections agency in attempt to have me pay the fraudulent charge. After initiating a fraud investigation, I then received another collections letter for the interest that was charged on the fraudulent charge that I had not paid ( because the interest was from the incorrectly posted charge ). The credit card agency my credit card is through is XXXX via XXXX XXXX XXXX under license from XXXX XXXX XXXX XXXX. The phone number for cardmember service is XXXX. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Citcard rejected convenience check for balance transfer and broke contract to borrow funds. Filed prior complaint:XXXX. 
Contacted by Citicard, XXXX XXXX, and told a code would be sent to me so she can discuss account in a letter from XXXX dated XX/XX/18. I have left messages to speak with XXXX about the fact that I have not received code and have not gotten a response. 
I am concerned about reporting to credit bureaus by Citicard as delinquency in account. 
I am denied access to Citicard on line and customer service at Citicard will not speak with me with the code which I have not received.
Product: Debt collection

I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

I have been a victim of Identity Theft and the item I am disputing does not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the item was never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

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

Every time my wife and I request credit reports from TransUnion, they come up with some sort of problem with one or both of them. Their website is also non-functional. We do not have these issues with the other bureaus. 

This time ( request submitted XX/XX/21 ), they sent my wife 's report when requested, yet for my request, I received a letter on XX/XX/21 saying they were " unable to locate credit report ''. This was despite my supplying them with everything on their paper form - name, address ( where I have lived for 15 years ), SSN, and birthday. I wrote back, sending another request form, informing them that I DO have an existing credit history, and that the same week both XXXX and XXXX were able to provide me their versions of my credit report with exactly the same information I mailed to them. 
There is no excuse for them not being able to find my records in their system. I informed them that I would be filing this formal complaint if I did not receive my report by XX/XX/21 ( this letter was mailed XX/XX/21 ). The report has not been received.
Product: Credit card or prepaid card

I filed complaint number XXXX on XX/XX/2018. I am posting the details from that complaint below. On XX/XX/2018 the company responded indicating that they would honor their original offer. They indicated that I should go to www.balancetransfer.citicards.com and complete the offer there. After several ties I am still unable to take advantage of the promotional balance transfer that Citi originally offered me I have reached out several times to the representative in the executive response team listed in the letter I received to no avail. 

Here are the details of the original complaint : I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XXXX  and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer.
Product: Credit card or prepaid card

In XX/XX/2020. My payment arrived 5 days late. Due on XXXX arrived on XXXX. Never been late before. A late charge was assessed. I was not notified. I sent in XXXX payment, on time. They deducted the late fee and did not tell me. Then charged me another late fee for being late again. And did not tell me again. Racking up late charges. I would never have known this but checking my credit score saw that they reported me 30 days late. For a late fee that I was unaware off. Could not contact customer service Due to Covid-19 diminished staffing of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of education reported to loans on my credit for the first time XXXX against the cares act and not in compliance with the XXXX XXXX guidelines for XXXX XXXX see attached I have a home loan that should have closed and now will not close because of this error before covid I9 i was already working on a repayment plan this is wrong and the account needs to be removed from my credit report because of the law all federal student loans are in deferral
Product: Checking or savings account

I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following accounts were taking off 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 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report.

In accordance with the requirements of the FCRA s

e ction 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These
items need to be removed off of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Debt collection

I don't recall having a contractual relationship with this collection company RENT RECOVERY SOLUTIONS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Michigan XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
Product: Debt collection

I received a court notification back in XXXX of XXXX regarding a XXXX  XXXX  company that was the original company but Cadillac account rec was the collocation company it was a old bill back in XXXX that my insurance company had paid. I went to court and my insurance company didn't provide me the proof in time so I had to pay the full amount and attorney fees in the amount {$580.00}. I paid it and three months later I see a notice on my credit report for another {$81.00} never received bill never received a notice I called the XXXX  XXXX  company and was told they have no knowledge of this I called Cadillac Account and they hung up on me. I went to court and paid everything and now another account and debt is added with no proof I owe this and not notice I owed this after I was told all I owed was XXXX.