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

I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.XXXX XXXX sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted XXXX XXXX, And Equifax reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court EQUIFAX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Product: Debt collection

On XX/XX/22, I contacted Pro Collect Inc via email about a {$3100.00} debt that I allegedly owed. Each time Ive called to get information, Ive been harassed about payment and not provided with information. They keep reporting to my credit bureaus on the XXXX of each month, purposely damaging my credit. I demanded that info be sent within a 14 day period from date of that email because of that reason. I received a response from a XXXX on XX/XX/22, which also ended on XX/XX/22. He was of no help. Told me to call them and I refused because again, each time Ive called, they gather all my information, give me no information and just ask for payment. Im tired of this.
Product: Credit card

I am filing this complaint against Bank of America for their failure to adequately resolve a dispute over a credit card transaction regarding defective products purchased from XXXX on XX/XX/year>, for {$58.00}. My attempts to resolve this issue with both the merchant and Bank of America have been unsuccessful, leading to unwarranted financial implications. 

Summary of the Issue : Initial Communication and Evidence Submission : I notified Bank of America of the defects via fax on XX/XX/year>, providing photographic evidence to support my claim. This evidence was sent from my phone number ( XXXX ) to their designated fax line ( XXXX ). 
Bank 's Inadequate Response : The response from Bank of America lacked substantive feedback and failed to acknowledge my rights under the Fair Credit Billing Act, which mandates a thorough investigation of disputes involving defective merchandise. 

Relevant Bank of America Agreement Terms : Billing Rights Notice : As outlined in their " Billing Rights '' document, I am entitled to dispute charges for goods that were not delivered as agreed and am protected against any collection activities on the disputed amount during the investigation. The document states that the bank must acknowledge my complaint within XXXX  days and resolve it within two billing cycles or XXXX days, whichever comes first. 
XXXX XXXX XXXX : The " Cardholder Benefits Guide '' suggests additional protections for items purchased that turn out to be defective. Although my dispute centers on a defective delivery, the principles of ensuring product integrity as outlined should analogously apply to the transaction dispute process. 

Impact on Me : The unresolved dispute has led to financial losses due to the persistence of the charge and associated costs, despite clear evidence of the merchandises defectiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. XXXX told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. Equifax and XXXX show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged XXXX. Equifax and XXXX also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed XXXX XXXX XXXX and XXXX XXXX on my TransUnion Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Product: Checking or savings account

I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state law.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, XXXX have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across XXXX, Equifax, and XXXX. Specifically, XXXX lists the last activity date as XX/XX/XXXX, Equifax as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with Equifax indicating 8 instances of 90-day late payments compared to only 1 reported by XXXX. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that Equifax, XXXX, and XXXX take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2016 - {$0.00} XXXX Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually have several problems with all XXXX credit agencys. In XXXX I purchased a home. At that time my XXXX XXXX was around XXXX or XXXX. Now in XXXX after paying all my bills on time, selling that house and paying all bills off .all credit agencies are showing my score at around XXXX. How is that possible? 

Along with that there are items on my reports that should have dropped off years ago but somehow never go away. 

XXXX XXXX is the worst at being able to get my report or score at all. 

All XXXX agencies mis up my brothers information with my information claiming he is either me or I am him. We have the same name almost. I am XXXX XXXX XXXX he is XXXX XXXX XXXX. Both born in XXXX XXXX North Dakota and have similar social security except our last XXXX. We have also lived together in different places. 

At XXXX point it was so bad we both wrote letters and sent in our ssn card our ids showing we are XXXX separate people etc. we sent them everything they needed but still these problems persist. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX  regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Express XX/XX/XXXX XXXX Card XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear EXPERIAN, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date Paid : [ Date of Payment ] This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Credit card

Synchrony, XXXX XXXX, credit, credit card, let an assistant of mine that I fired because she stole a bunch of money for my credit cards and accounts and I sent them police report Federal Trade Commission report of identity theft they refuse to take off the balance and decide in favor of this fraud case I keep re-filing an appeal, they have not sent me proof and evidence and reason that I requested They wont even provide me with an email address to communicate with them. I requested to speak to the lead investigator they never called me back. I did not make this charge and it was for {$10000.00} back in XXXX. The XXXX had access to my drivers license from my XXXX and a picture of my credit card from my XXXX. She made this charge in Florida. I live in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they didnt flag discharge or contact me for such a big charge. Also, she did an Internet authorization and copy and paste my signature with no real ink at the same signature that was on my drivers license from there please work with synchrony XXXX XXXX to resolve this issue and take the charge off my account. It says they guaranteed XXXX fraud liability. Think the charge was from XXXX possibly XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion 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 a my file at XXXX and Transunion are 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 item 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. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I checked my Cashapp account right after XXXX and it showed I had {$22.00} in the account, so I ordered my food that totaled {$13.00}. The transaction was denied due to insufficient funds. So I looked again and there was a little over {$9.00} in the account. I contacted cashapp believing they would fix the issue. They would not! They proceeded to say that {$22.00} was on XX/XX/year> at XXXX XXXX then you were charged {$12.00}, also on XX/XX/year> at XXXX you had {$25.00} and then you received the charge of XXXX from XXXX XXXX XXXX, then your balance dropped to {$9.00} Today XXXX XXXX  this isnt even possible since I went to XXXX before going to XXXX, and there was no deposit in between. I know this is a small amount, but Im not ok with people taking my money without my permission. I tried over 3 days to dispute this with cashapp and they refuse to make it right.
Product: Debt collection

I cant explain something I dont have knowledge of. My identity was on a dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}