23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of Identity Theft, followed all of the proper procedures after learning of the the situation. I filed my Police and FTC Identity Theft Report. The error was resolved and removed from my credit report. I recently checked my Experian.com and noticed that Experian has added this account back onto my credit file, it is reporting 3 months late and damaging my score/file. I have a copy of my Police Report, this is the same report that Experian received, earlier in the year when I sent them all of my corroborating documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my XXXX credit report without my knowledge please have them remove from my XXXX report.
Product: Checking or savings account

I opened my M & T Bank XXXX XXXX and XXXX XXXX accounts on XX/XX/23 under a promotion and I was supposed to receive : + A {$250.00} bonus for having a {$500.00} direct deposit into my checking account within 90 days + A {$100.00} bonus for maintaining a {$2500.00} balance in my savings account in XXXX and XXXX I satisfied all of the requirements and per the terms of the promotion, both bonuses should have been credited by XX/XX/23 -- but I have not received either bonus yet. 

I contacted M & T Bank via secure message on XX/XX/23 about the missing bonuses and received responses on XX/XX/23, XX/XX/23 and XX/XX/23 that they were looking into the issue -- but I have not received a response since and the issue is still not resolved. 

I've attached the page I applied through with the promotion terms and a screenshot showing the promo code was applied when I opened my accounts.
Product: Credit reporting or other personal consumer reports

This account is showing XXXX different open dates a cross the bureaus on XXXX it is showing XX/XX/XXXX, Experian XX/XX/XXXX and on XXXX XXXXThe high balance on XXXX is {$370.00}, the high balance on Experian {$0.00} and the high balance on XXXX $ XXXX XXXX the Credit limit is {$100.00}, on Experian it is reporting as {$100.00} and on XXXX it is report as XXXX XXXX.Last reported Date on XXXX is XX/XX/XXXX, on experian XX/XX/XXXX, on XXXX XXXX.The last active date on XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. On XXXX shows no date of last Payment, Experian shows no date of last payment, and XXXX shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both Experian and XXXX.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had an XXXX XXXX Credit card with XXXX XXXX, and the APR was about 24 %. So by XX/XX/year>. I received a noticed from the XXXX XXXX Credit card stating that they are going to increase my APR around 30 % due to market regulation. Then they said that if I do not accept the increase they will close my account. Then If I do not deny, the increase will be automatic. So by XX/XX/year> I reach out to them to tell them that I will not accept the new APR. then they said to me, that they will close out the account and I will be able to get this account back, and I agreed. So they closed the account, but I received a statement later on after the account was closed that I still had to pay off a debt of {$15.00}, XXXX. XXXX for a transaction that was made onto my credit card on XX/XX/year> that I did not really aware of. So I tried to logging onto my credit card account to dispute that charge multiple times, and it has never been successful. I tried to reach out to the company, and it did not get successful either. As of now I am still making payment for that debt, despite the account is closed.
Product: Debt collection

Collection company reported that I owe {$790.00}. I call this company an they refused to give me the original creditors information. So that I myself can verify the account that their reporting.
Product: Money transfer, virtual currency, or money service

After multiple and repeated attempts to contact the seller ( XXXX   purchase ) without success I opened a case with paypal ... I told them of the legitimacy issues with the watch in question after having spoken to XXXX XXXX, the former head of XXXX XXXX XXXX watch department, XXXX XXXX a world renowned vintage watch expert, XXXX XXXX, a respected internationally known dealer in vintage watches, XXXX XXXX XXXX XXXX watch appraiser with XXXX XXXX, XXXX XXXX who previously was the watch appraiser at XXXX XXXX, XXXX XXXX a purveyor of vintage XXXX watches in the XXXX XXXX as well as XXXX XXXX XXXX who authored two of the most respected books on Vintage XXXX watches and all agreed that this watch was never offered in a gold filled case or as a monopusher as the seller had advertised in being 100 % original..!!! ... I didn't become suspicious until I wanted to get an appraisal of the watches value ... The first 6 months in possession of the watch I spent having it serviced, cleaned and oiled as well as having parts replaced that were not correct ... .The next few months I spent speaking with and communicating via email with the above mentioned experts ... .I sent the watch back to XXXX a month ago ( XX/XX/2020 ) ...!!! ... I have a video of it being packaged and photos of it being dropped off at XXXX the only company who would deliver the watch ... USPS and  XXXX refused to deliver packages to XXXX XXXX because of rampant theft, violence in addition to the pandemic ... I was unable to insure the package for more than {$800.00} because of the import restrictions in XXXX ... .It 's outrageous that I was given a provisional credit for the purchase only to be told I didn't have a valid claim by XXXX ... So last week I not only was told the money was going to be removed from my account but the FRAUD of a watch was out of my possession as well ... This complaint against paypal started on XX/XX/2020 ... .I intially opened a claim for fraud on this date ... .Upon checking into my account nothing was registered in the resolution center ... .I subsequently opened another complaint within days only to be told after approximately 40 email and chat exchanges that I needed to send the watch back to XXXX that the paypal buyer protection didn't extend past 180 days ... So I lost the money for paying for the FRAUD of a watch and was told by paypal to send the watch back and I don't have the watch any longer ... I escalated a claim with XXXX XXXX to the executive office and and was initially given a provisional credit by XXXX ... I reported the FRAUD to XXXX   but in their infinite wisdom interpreted by issues with paypal as an unauthorized transaction something I never intimated ... .My issues were solely based on the FRAUD of a watch ...!!! ... .XXXX then removed the provisional funds from my account ... .Additional information will be provided upon request ... XXXX XXXX XXXXXXXX ... .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Product: Prepaid card

-Gift card from Gift Card Mall of {$100.00} -Card activated from home computer on XX/XX/ -Tried to use at XXXX XXXX on XX/XX/23 but was declined due to unavailable funds -From my phone, accessed the card info at XXXX and found 22 charges of {$4.00} to XXXX XXXX XXXX all done on XX/XX/23 until the balance was used up ( all but XXXX! ) -I am single and there is no one I know who even knew the card existed -No human available at number provided by Gift Card Mall and no selection criteria in the automated system to report fraudulent transaction -Went on Gift Card Mall website to find a way to report the fraud and was blocked (?!!! ) -Tried to find a way to report this to google but their system assumes the use of XXXX XXXX. However, that isn't the case here as this gift card has never been used before on anything google related -There is little information available to the general public about reporting gift card fraud and even less about reporting XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ Data International is reporting a collection account on my credit report when the account is in dispute. I tried communicating to the apartment complex however they ignored all attempt 's of conversation or resolution and 1 year later reported it to a collection agency. I have never received an itemized statement with the debt they are trying to collect. IN the amount of $ XXXX have submitted supporting documents to the collection agency showing proof of invalid debt being reported. This has been ongoing since XX/XX/XXXX to the most recent contact XX/XX/XXXX. XXXX where certified document 's were sent to the collection agency with zero resolution. The negative reporting to the credit bureaus is negatively affecting my credit. They are reporting a debt to the bureaus without it being a valid debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The item on the report in question is KOHLS/CAPONE for {$180.00}. I tried reaching out to KOHLS at ( XXXX ) XXXX and they told me they could not find my information and was unable to assist due to not having my information on file.
Product: Checking or savings account

M & T Bank has refused to close my M & T Tailored Business Checking despite multiple attempts. Per their website ( attached ), " non-interest bearing business accounts with a XXXX balance can be closed by calling the M & T Contact Center at XXXX, or by submitting a request through Online Banking. '' On XX/XX/23, I called the M & T Contact Center at XXXX to close my M & T Tailored Business Checking that has a {$0.00} balance. I was told by both a CSR and supervisor that they could not close business accounts via phone, and I would have to close in a branch or by mailing a letter to my local branch since I am out of town. 

On XX/XX/23, I also sent a secure message through Online Banking attempting to close my account, but was told " you spoke with an Telephone Banking Center representative about your concerns '' and was referred back to the M & T Telephone Banking Center. 

On XX/XX/23, I mailed a letter asking to close my account to the local branch the M & T Contact Center told me to send it to. 

On XX/XX/23, I called the local branch to confirm my account was closed and they told me they were unable to close the account from a letter and I would have to come into the branch to close it and there was nothing they could do while I'm unable to visit a branch.
Product: Credit card

The creditors is reporting inaccurate information in STATE EMPLOYEES CREDIT UNION Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. STATECU XXXXXXXX and STATECU  XXXX
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. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/2020, I filed complaint number XXXX regarding inaccurate credit bureau reporting and erroneous crediting of payments. XX/XX/2020, I received a response from XXXX XXXX XXXX, Director of Customer Service Freedom Mortgage. In response, Mr. XXXX declared the following. " This will report your account as current for these months when we next report to the credit bureaus, which is currently scheduled for XX/XX/2020. '' On XX/XX/2020, I received a notification from XXXX  my credit score had increased 100 points due to Freedom Mortgage rectifying their erroneousness. 
On XX/XX/2020, I received a notification from XXXX  my credit score had decreased by 101 points due to Freedom Mortgage re-reporting the same errors they had just rectified. 
At this time, XX/XX/2020, XXXX  is reflective of Freedom Mortgage, rectifying their errors. However, I am sure if Freedom Mortgage follows past practices, the score will drop any day. 
At this time, XX/XX/2020, XXXX  still reflects 3 30 day late payment reports.

I have been dealing with Freedom Mortgage for almost ten months regarding their incompetencies, empty promises, and spin.

I am trying to refinance my loan with my credit union. However, I am unable to due to Freedom Mortgage incompetencies. The irony is I am receiving unsolicited offers from Freedom Mortgage to refinance. 
I am notifying the Utah State Attorney Generals office of Freedom Mortgages ' incompetence and disregard for reporting accurate, factual information to the Fair Credit Reporting Act or F.C.R.A. 
If this requires an alternate venue for Freedom Mortgage to correct the failure, I am more than agreeable to pursue that possibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX  statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I ask for Validation from   XXXX   XXXX   because they are reporting a account i am not sure of i was sent a letter stating Account information is not available? i also asked Experian to verify and I would Like Proof As per Se c 605, 609, and 623 n o proof was every provided but replied back that  XXXX   XXXX  Verified account and updated it on  XXXX   XXXX ,  2017   .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}
Product: Debt collection

I am writing to formally dispute the collection account listed on my Experian credit report with the reference number XXXX. According to federal law under 15 U.S. Code 1692g - Validation of Debts, XXXX XXXX XXXX has failed to fulfill the required obligations for debt validation as outlined below : The company has not provided the required written notice within five days after the initial communication regarding this debt. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing me of my right to dispute the debt within 30 days, during which time the debt would otherwise be assumed valid. 
A statement that upon written notice of dispute within the 30 days, verification of the debt or a copy of the judgment would be provided to me. 
This failure to comply with federal regulations has resulted in fraudulent activity, as the necessary steps to validate this debt and verify its accuracy have not been followed. 

Furthermore, I initiated a dispute with Experian regarding this collection account. Still, Experian has not conducted a proper investigation and has marked the debt as " verified '' without providing sufficient evidence or conducting a meaningful review. 

This error has caused significant harm to my financial opportunities and credibility. As such, I am requesting : The immediate removal of this collection account from my credit report. 
A financial remedy to address this error 's adverse impact on my financial standing and opportunities. 

Please treat this letter as a formal request for debt validation. Failure to comply with federal regulations will leave me no choice but to escalate this matter through appropriate legal channels and regulatory authorities. 

I look forward to your prompt response within 30 days as required by law. 

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

Sent in letters of information not being mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active transunion says XX/XX/XXXX, XXXX  says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently satisfied a balance on my credit report. I was under the impression that the item would be removed from my credit but it hasnt. Out of goodwill and faith, I kindly ask that this account be removed from my credit. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an account without my written instructions