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

One of these fraudulent accounts were removed initially in XXXX with an address of XXXX XXXXr, this account has popped up again because they went through a collection agency and that agency posted twice on my credit report You only deleted one. the second one I have no idea who they are. Per Equifax they have verify the account please send me that contract or whatever it is that you used to verify it with me. 


Ive called. Each time I hear a different story some say that they received it some say they havent received it since they received it and it was rejected they dont know why it wasnt rejected someones gon na call me in three days so Im say that its a fact that was received but only my ID and my social were attached some say they have to see report was attached but not my ID and social. Some say that my attachment wasnt in the initial dispute for my XXXX  every time I speak to the supervisor we get disconnected. I dont know what is going on but it almost seems purposeful. Im done. You have 15 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX XXXX RE : Cease & Desist From Collections Dear Equifax LLC On XX/XX/XXXX Below I have the following fraudulent collections on my credit file. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX. 
ACCOUNT : XXXX XXXX XXXX XXXX To submit my FTC report I've exhausted every avenue provided, phone calls, certified email, fax and submission via MyEquifax.com. None of those paths have elevated these fraudulent accounts and have had no response from your corporation. With the precedent of Michael Ruzbarsky v. Eqiufax and Barbara Williams v. Equifax, this is my last recourse. 

These collections cause me to suffer humiliation, embarrassment, emotional distress, physical discomfort and financial issues due to higher interest rates. 

I HERE BY DEMAND THAT YOU CEASE AND DESIST THE INSERTION THESE 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. This notice will be sent via fax, certified mail and via CFPB. If action is not taken by you to cease and desist with in 15 days from the receipt of this letter, I will have no choice but to take appropriate legal action against you. 


XXXX XXXX XXXX
Product: Debt collection

I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three companies ( XXXX, XXXX, TransUnion ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action. 

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law.

2. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights. 

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified. 

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX card is not being reported for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Nature of Complaint : Potential Identity Theft and Fraudulent Mortgage Activity I am the sole owner of the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. This property is free of any mortgage or other encumbrances. 

I have recently received multiple mail items purporting to be from XXXXXXXX XXXX or related third parties. These items suggest that unknown individuals are attempting to acquire a mortgage for my property. ( Please see attached PDF binder for images of the mail items. ) The individuals named in the mail items are unknown to me and have never resided at my property. I believe I may be a victim of identity theft and that fraudulent mortgage activity is being attempted on my property. 

I request that XXXXXXXX XXXX  and its affiliated or related third parties immediately cease and desist all actions relating to this property. I also request an investigation into this matter to identify and hold accountable the parties responsible for this potential fraud. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

ELAN FINANCIAL SERVICE Account Number : XXXX Date Opened : XX/XX/2017 Balance : 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 3Credit 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 items I am concerned of : 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 XXXXXXXX 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

Equifax violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )
Product: Checking or savings account

I sent them XX/XX/XXXX notice to cure. Then XX/XX/XXXX Notice of dishonor. Then come XX/XX/XXXX I had to send certificate non response. And just a few days ago notice of default. 

Soon after I contacted cfpb, they finally give me a phone call. Now, Im wrapping up the administrative process and am uploading summary of advance notice of settlement. 

In order for me to comply with guidelines, is this letter going to be sent by you, as the governmental agency in charge, if I hear no response back, I will assume this settlement is being taken care of on my behalf by the CFPB because these other institutions behave fraudulently, lie, false represent, profane and have unfair practices.
Product: Checking or savings account

Citibank blocked my account and holding all my money!! I was trying to buy an apartment, now they keeping the money, my XXXX and the salary for some kind of reason, who knows for how long?! i never imagined this is can happening in US?!
Product: Credit reporting, credit repair services, or other personal consumer reports

The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf
Product: Checking or savings account

On XX/XX/2023, my US Bank checking account ending in XXXX was charged with a credit card payment in the amount of {$83.00}. Because I DO NOT use this checking account to make payments, this {$83.00} charge also resulted in my being charged a {$36.00} " Overdraft Fee ''. I do not recognize this transaction and after doing a lot of research can not figure out why this charge was made to my checking account. 

When I called US Bank for help, it was very difficult for me to get anybody on the phone and when I did, the people I spoke with were not too helpful. While speaking with a US Bank representative, I asked where the {$83.00} was paid to because the online entry for this {$83.00} charge DOES NOT show where this payment was sent, who it was sent to, etc. The person I spoke with gave me 4 numbers. I asked her what these 4 numbers meant. She didn't know. US Bank didn't know what company the {$83.00} was sent to. I asked the US Bank representative to reverse this charge and the {$36.00} overdraft fee when she was not able to tell me where the {$83.00} was sent. She refused to reverse the charge and the overdraft fee and suggested that I speak with the US Bank fraud department.

When I spoke with a US Bank representative in the fraud department, who was speaking on a phone line that made it very hard for me to understand what she was saying, she said she couldn't take a fraud report. When I asked her why she couldn't take a fraud report, her voice broke up due to the bad connection on US Bank 's phone and the call ended. 

US Bank has sent {$83.00} from my checking account and has no idea where the {$83.00} was sent. US Bank has also charged me a {$36.00} overdraft fee resulting from this transaction because I do not keep a very large balance in my USB checking account because I do not use this checking account to pay my bills. 

I am requesting that US Bank reverse the {$83.00} charge and refund the {$36.00} overdraft fee that US Bank charged to me as a result of there not being enough money to cover the {$83.00} that should not have been charged to my US Bank checking account.
Product: Checking or savings account

on XXXX XXXX I made a deposit too my checking account XXXX of {$1100.00} I took {$100.00} out on XX/XX/2023 I took {$120.00} on XX/XX/2023 then I took {$100.00} out on XX/XX/2023 By the policy of the bank a new account will only give you a certain percentage when the deposit is unverifiable checks yet they took {$400.00} more out of the account than they should have I want my {$400.00} back now!!!!!!! It is obvious they owe it too me!!! there is no explanation of where it went they just took it!!!!!
Product: Credit card or prepaid card

XXXX XXXX I had a fraud case. I have summitted everything plus extra documents to relia card and was told all documents was accepted. Now they have told me the fraud case was closed the money was out back into my account but refuse to unlock my card. They keep telling me to upload my i.d and keep submitting the same documents I have all month long that have already been approved. They allow my direct deposits to go through each week but will not allow me to access my funds. I am a single mother I have complied every way their company has ask n told me to and I am going on two months being locked out from using my account and debit card.
Product: Credit card

A tenant committed identity theft against me after being terminated from employment. They had access to my mail, identification documents, and bank account info, and electronic devices from information I thought was safe in my own home. I didn't expect someone I knew and trusted would steal from me and take out debt in my name illegally and without my consent or knowledge for transactions that didn't benefit me. This individual burglarized my house and police reports were filed but informed that someone can't be charged for theft if its their residence ( they had a lease agreement ) so charges were dropped. The tenant XXXX XXXX and her boyfriend did not have my permission to utilize my information to open accounts or purchase items. They used my checking account information to validate payments, and when I changed accounts they used stolen accounts to validate payments resulting in termination. Best Buy has refused to properly remove these charges and reports fraudulent information against me.
Product: Credit reporting or other personal consumer reports

I asked Experian to correct my name and delete all the names that is not my correct.
Product: Credit reporting or other personal consumer reports

In XXXX of 2022 I closed my XXXX  card after one month because XXXX could not figure out how to add my wife to my card and required my cell phone for 2FA. I logged in to the account and verified the account had a XXXX balance and considered the matter closed. 

Months later XXXX started sending me late notices about remaining balances and started charging me fees for things I confirmed were resolved on XX/XX/year>2022 when I closed the account. 

Since then, XXXX has sent me to collections for their egregious fees through the years and every time I received a notice, I disputed it accordingly to protect my credit rating. 

Recently I was made aware of a decrease in my credit score from TransUnion. I have found that XXXX has been able to adversely affect my credit score because I am not willing to pay their fees for charges I am not responsible for. 

I have now found that my insurance rates have gone up because of my poor credit rating because of XXXX banks report. 

Yesterday and today I tried to call XXXXXXXX XXXX, TransUnion and CFPB to try to resolve this matter over the phone but am told they are closed or get disconnected. Today I tried to create an account at TransUnion to resolve the issue their portal did not accept the information I used to sign up for the account. 

In summary, I have not carried a balance on a credit card for the last 30+ years. I have not been late on payments to mortgages during the same time and have paid off all of them but for one HELOC. I value and protect my personal information as much as I protect my credit score. In this instance, it is now literally costing me money to try to protect myself from FRAUD. 

Today, I also called my House of Representative to explain the issue to try to raise awareness of the irony.
Product: Credit card or prepaid card

On XX/XX/XXXX I initially filed a dispute for the XX/XX/XXXX Charge from the XXXX XXXX for {$250.00} as I did not stay at the hotel the date of the charge XX/XX/XXXX. One of the hotel managers XXXX XXXX had canceled my stay due to issues with the hotel not providing services as agreed, not providing a reserved room or honoring the best rate guarantee. I provided my correspondence with the hotel general manager,  the original reservation showing an 839sq ft cool corner suite reserved which was not provided. Additionally, I provided information showing the XXXX XXXX was not honored either. All of these issues led to the hotel and I deciding to cancel the stay. 
On a letter dated XX/XX/XXXX Chase states they sent me a letter requesting more information. This letter requested information which had already been provided when initiating the dispute. Thus despite having not fulfilled the reservation, been a guest of the property and providing evidence to my claims, Chase still found the charge valid. As I was not a guest at the property there should be no charge, especially if the reservation is canceled by the hotel themselves. In this regard, Chase failed to adequately investigate or provide a compelling reason or documentation as to why the charge is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  failed to remove unauthorized hard pulls by XXXX XXXX  and berlin-wheeler was nver investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union   XXXX   XXXX   needs to take off thos charges  XXXX  all  XXXX  of them they have been dismissed!!!!