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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the incorrect remarks removed from my XXXX XXXX XXXX  XXXX account to be removed immediately. Please remove remarks from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days without update.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for the past 3 months been trying to access my credit report from Transunion. I have submitted my passport id, my drivers license, my credit statement, my electric bill, my verification of address through their email and mail. 

I have no luck accessing my credit report through them. I have lost an apartment and had to pay double on a deposit in another because they couldnt get access through them. 

I have reach to XXXX and they said they couldnt pull one from them either but XXXX and XXXX can and they provide me the info. But certain places trust transunion and they will not give it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto dealer XXXX XXXX  XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer s XXXX XXXX finance XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a blackmail scam in which I sent money via Paypal and XXXX. The blackmailer recorded a video via XXXX and was able to obtain my personal information. The scammers are still harassing me via email and XXXX and claim to be part of an organization. 

I have filed cases with XXXX but have not been able to file a case with Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX Account number XXXX Equifax changed the status of the account from " SETTLEMENT ACCEPTED ON THIS ACCOUNT PAID CHARGE OFF '' to a COLLECTION account. 

Causing me to drop over 30  points on my credit score. This account has never gone to collections and has always been with the original creditor. 

So I paid money to check my credit report and they are claiming I have a late or missed payment on this closed account that has a {$0.00} balance. 

It's not possible for a {$0.00} balance account that's closed to have a late payment when this has been paid and closed since 2022. 

I tried to get them to fix the mistake but I spoke with a XXXX who refused to escalate the call to a senior or a manager. She began arguing with me that Equifax doesn't use fico scores and the the reason my score dropped was because of no real estate accounts. I told her I never had real estate accounts and it doesn't make sense that my score would drop out of nowhere. 

The drop happened the same day I disputed the account and the status changed to collection with a missed payment. 

According to FCRA laws I'm supposed to have accurate information on my report, not false claims of late payments that harm my profile. The other two bureaus have removed this account from my report but Equifax is adamant about keeping it up with inaccurate information. I don't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Best Buy about 5 years ago and I have noticed another company stating that I owe Citi bank who I think is best buy {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to best buy and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct # XXXX ( Date of last active and date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report.

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate.

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Product: Credit card

Synchrony Bank closed my CareCredit account, which was paid in full at the time, due to making a credit inquiry and determining that my income was insufficient to keep the account open. This determination was made without them reaching out to me to get any form of update for my income, since it has been more than six months since the account was opened. Additionally, I had no avenue to dispute or appeal the decision, even though my account was in good standing and I had never missed a single payment on the account. This is a predatory practice that will negatively impact my credit score. The nature of the card is to help make medical care affordable, so it is natural that I would not need to make regular purchases on it, and instead of leaving the account open to see if I use the card or would struggle to make payments, they closed it without warning. When I called to ask, since the letter they sent me via email wouldn't download, I was given the hard runaround. I am beyond unsatisfied with this behavior from a major creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.
Product: Credit reporting or other personal consumer reports

In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau XXXX ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/year>, on or around XXXX XXXX XXXX. I got to an American male agent around XXXX XXXX XXXX  This was a 40 minute hold. This is an excessive hold time. I asked the agent to hold for about 1 minute, however, he then deliberately and willfully disconnected the phone. This is known as call avoidance. I never used profanity or made threats. I called from ( XXXX XXXX XXXX This CFPB complaint is not a request for my credit report and is not a dispute request. Please terminate the employee who disconnected on purpose and reduce your excessive hold times. I am also submitting a complaint about this to the XXXX and FTC.
Product: Checking or savings account

Statement Supporting my Appeal to the Denial of my Fraud Claims with Citibank XX/XX/XXXX XXXX ) I am a signatory on the Citibank checking account on which this fraud occurred and the person initiating this fraud claim appeal. 

XXXX ) I have a checking account with Citibank , N.A . located at XXXX and XXXX in XXXX XXXX, California. 

XXXX ) On XX/XX/XXXX I wrote a check to XXXX ( a XXXX man operation ) for {$19000.00}, dated XX/XX/XXXX for the purchase of equipment and materials by this XXXX for the purpose of installing a new heating and air conditioning system at my residence. 

XXXX ) Because XXXX requested another form of payment, the check was voided by the printing of the word VOID across the entire face of the check in large, clear, handwritten print ( A copy of this voided check, entitled Exhibit A is attached to this document ) XXXX ) Apparently XXXX, who gained possession of this check which was clearly voided, was able to fraudulently apparently cash it at a Citibank branch on XXXX XXXX without my knowledge, consent or approval, and totally against my wishes. 

XXXX ) I didnt discover this fraud had taken place until XX/XX/XXXX. That very same day I filed a fraud claim with Citibank. The Citibank form I completed was entitled Statement of Unauthorized Use in cases of Forgery, Alteration, Counterfeit or Unauthorized Remotely Create Check. 

XXXX ) My initial claims and appeals with Citibank were denied. In this document I am appealing all previous denials with additional documentation to support my claim of fraud. This appeal now includes the following documents : ( A ) This document detailing all the circumstances surround the fraud ( B ) A copy of the initial fraud claim I filed with Citibank ( C ) A copy of the voided and cashed check ( D ) A copy of the police report I filed ( E ) A copy of complaint I filed with Consumer Financial Protection Bureau 10 ) As a professional banking institution, when Citibank cashed this voided check, it breached its legal duty to exercise ordinary reasonable care in the handling of the check and is now liable for its unprofessional and negligent actions. 

XXXX ) Citibank is therefore now legally responsible to compensate me for my loss caused by its actions by restoring the money I lost when it negligently cashed the voided check : {$19000.00} XXXX ) This document is intended as a formal appeal to all previous denials of my claims and appeals regarding this matter.
Product: Debt collection

On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, XXXX  & Experian. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXXs. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, XXXX  and Experian. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.
Product: Debt collection

Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim
Product: Checking or savings account

My XXXXXXXX XXXX Account was suspended due to a disputed transaction on XX/XX/XXXX. They have asked to me to provide proof that I have no disputed transactions or that I have canceled the disputed transaction. I have contacted Us bank asking for such information and they informed me that I have no disputed transactions. But they can not provide me with a email or statement stating this. I even asked for a dispute history report. They said they can not provide me with that information unfortunately. I need this information to be able to get back into my XXXX Account. Us Bank is not trying to help because I only have a savings account with them.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXX/XX/2023.