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

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.CalXXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information. Transunion is not reporting my XXXX account on my credit report. XXXX is in good standing and Transunion refuses to add it back on my credit report.Transunion says i disputed my account in ERROR. I have spoken with fingerhut several times and they have stated that my account is being reported to transunion every month and that transunion should be reporting my payment history in me credit report. XXXX is NOT A FRAUD ACCOUNT. this is a honest account. STOP ADDING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. STOP SENDING DISPUTES TO OTHER CRA 'S WITHOUT MY PERMISSION. STOP SENDING FRAUD ALERTS TO OTHER CRA 'S WITHOUT MY PERMISSION. Please correct your ERROR and ADD my XXXX account back on my report. This is ILLEGAL and i will sue in my state if this error is not corrected.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.Consumer reporting agencies may not report outdated negative information.In most cases, a consumer reporting agency may not report negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$22000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

I paid off my balance on my Goldman Sachs credit card on XX/XX/XXXX of a total of {$7100.00}. I then noticed my available balance was still below my actual credit limit on this account. So I contacted customer support on XX/XX/XXXX at XXXX. Est. They stated that my payment was successful and had posted and cleared in their system. I was put on hold multiple times to try to speak to a manager regarding this. So i thought it may be best to try again the next day XX/XX/XXXX at XXXX XXXX. So I called them and asked the same question if they had been paid on the balance I had with Goldman Sachs. They had stated that it indeed had been processed and was successful in posting and had cleared in their system. I then asked to speak to a manager and was able to ask him the same question. He then stated on the record that there was no one at Goldman Sachs that could correct my available balance. Which was 100 % incorrect. So I proceeded to reword the question to make sure he was understanding me correctly. He was and he didnt try to help me get my available balance that had already posted on there end. He stated it was because of a draft that was unsuccessful XX/XX/XXXX. Which is over 6 months and 4 days ago, and I have had 8 successful payments after the o incident he referred to that he used as his reasoning for holding my funds for 10 days. I then asked if I could get a copy of the voice recording that they have since they record calls and he said he couldnt get it for me. I wanted it for the reason he was stating on the record that no one in the entire business of Goldman Sachs could change my available balance to the correct balance that should be available to me. Which is incorrect. I honestly thought I was dealing with a legit company. Just to have their manager lie to me and state it was impossible makes me have no faith in the system. That who knows what they will lie and state next.
Product: Credit reporting

TransUnion has allowed yet again, a company to reattach the same debt that was previously removed by relisting it as an open account then immediately sending it too " new collections '' after.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a Kohls credit card opened in my name and I didnt open it
Product: Debt collection

I hired XXXX XXXX XXXX XXXX because I couldnt catch up my debit so far so good until it came to Barclays XXXX XXXX  from XXXX  they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB yesterday and in under a 24hrs Equifax is claiming to have conducted and investigation and response. They continue to allow INACURATE INFORAMTION ON MY CREDIT REPORT as a consumer I deserve to have a credit report that is 100 % accurate. Equifax is claiming that they will send me a letter in 60days. That is 60days of having an account that is inaccurate on my credit report. The worst part is Equifax have fair practice and procedures that they continue NOT to follow. I expect Equifax to delete the Consumer ADJ account OFF my credit report. 
At the VERY LEAST EQUIFAX need to show me the way that this account was verified! I don't believe they can because I DO NOT HAVE AN ACCOUNT WITH CONSUMER ADJ, never gave them the permission to access my credit report, never made ANY PATMENTS but Equifax allows them to continue to " update '' this false information. In order for a company to add an account to a credit report they have to send information to the bureaus I have disputed that information and have also submitted concrete evidence that this account is inaccurate and yet Equifax doesn't delete this information. When I have asked them to send me the information on how they have verified this information they have not let me know how it was even verified. If they are using information from a website that is not 100 % accurate it can not go on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed creditor us bank a couple of times with experian. Experian reporting that this account was past due for the month of XX/XX/2019. I was never past due. I recently sent a request asking for method of verification so I can further investigate. Experian refused to send the method of verification. This is a violation of the credit fair act. Under the law Im am entitled to the method of verification.
Product: Credit card

I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out a Bank of America credit card account that was a fraud account. I didn't even open a credit card at BofA before, I tried to dispute this account, however the BofA denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way BofA solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from XXXX customs and border protection. It will show that I arrived at XXXX at XXXX
Product: Checking or savings account

All I can really say is that I am on check systems for fraud that I dont know anything about Ive been on check systems for 12 years and unable to open a bank account. Is it been a great deal of a problem for me cause me many problems I need help I need to be able to open a bank account so I can have a business and move my life on someone please help me, I am a good man a hard-working person and I should be able to have a bank account without some Fraud that I had nothing to do is causing me problems for 12 years
Product: Credit reporting or other personal consumer reports

My XXXX account was deleted from my TransUnion report on XX/XX/XXXX for no obvious reason, I requested account verification letter from XXXX and they provided it and I mailed to TransUnion who received it on XX/XX/XXXX and till now no action been taken to add the account on my credit report.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 XXXX 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, credit repair services, or other personal consumer reports

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX, XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by XXXX XXXX XXXX was opened last XX/XX/XXXX without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by XXXX on XX/XX/XXXX.I disputed the account last XXXX XXXX. Per XXXX report to Experian the account was accurate.However I never applied nor authorized anybody to open an account with XXXX. I do not have or have had any account with XXXX.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I began having difficulty with XXXX XXXX XXXX XXXX and could not get help with service for my home television system provided by XXXXCountless service attempts failed and was without service for 2 months plus.I finally encountered an honest technician who advised of a lawsuit with XXXX XXXX XXXX and that the company wasn't able to resolve the service issue I was having.The cc tech said it was the equipment was not compatible in some areas and systems.I called on XXXX cancel my account and was told a supervisor would have to approve my cancelation.Spoke to ( XXXX ) and she agreed to have Supervisor contact me, however I advised her I was cancelling as of XX/XX/XXXX. I never received any contact from XXXX, even after multiple calls to them. 
I went into storefront to speak to supervisor for help and he said on next statement it shows account cancelled. My bill for XX/XX/XXXX was XXXX supervisor said the cancelation amount was adjusted to {$220.00} and that he mailed me an new payment notice which i have and provided to all parties to resolve and close the account. 
On XX/XX/XXXX I mailed check XXXX ( XXXX ) to XXXX as final payment..I sought legal counsel and was advised that XXXX often delays cancelling to keep account charges ongoing. 
After providing the letter of dispute, multiple copies of documents, proof of payment, sending Certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Service finally removed the derogatory and false claim of debt from my Credit Bureau on XX/XX/XXXX. Eventually my credit profile was reported correctly and the matter resolved and closed. 
On or about XX/XX/XXXX XXXXunrise Credit Service ( according to a phone representative ) sold files of personal consumer information to XXXX XXXX XXXX, and my resolved and closed file was reopened and yet again derogatory Credit information was wrongly reported to the Credit agencies causing a XXXX drop in my Credit score. This has to be against all laws of Credit fairness and Consumer Prtection laws. I need help in bringing this matter to someone's attention, as I'm sure there are other consumers plagued by these predators..

If any of the documents are needed, I am happy to provide copies ( 100 % ) of the certified letters and proof of payment to the CFPB
. Additionally I am sending copies of files again to the reporting agencies along with a Consumer Statement to each agency.Any help to bring these tactics to a close for me is appreciated. 
THANK YOU, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX Transunion Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.