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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXXXXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX
Product: Credit card

Please help me to recover the amount on my credits cards that was used be the scammer. Because since I joined this Lexington law firm the scammer got my name and it is on the dark web. Now I owed more than {$50000.00} on all my credits cards which i dont think I used that money. I have an XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. Please help I will appreciate it very much your kind and support. Thank you I will attach all my documents.
Product: Debt collection

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Product: Debt collection

XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.
Product: Credit reporting

Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires listed bellow be REMOVED XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I logged into my Upgrade app to remove my stored banking information but was unable to find where or how to do so as the only option is to add another. 

I then also loggged into their website hoping that functionality was not available in app. Again, I was unable to remove the information. 

At XXXXXXXX XXXX, I called their customer support number, XXXX, and spoke with a live agent to ask them where I could do so or have them remove for me. The agent kindly agreed to deactivate them. I explained I did not wish for mere deactivation, but desired full deletion/removal, as I was concerned about the possibility of future data breaches. The agent stated their system did not allow for deletion of bank information and again offered to deactivate them. I reiterated my concern was not with unauthorized payments but did not want my data to be available in their system should they ever experience any sort of data breach. I was again told their system would not allow for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} THE XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$710.00} ), XXXX ( Account Number XXXX, High Balance {$340.00}, Date Opened XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, High Balance {$110.00}, Date Opened XX/XX/XXXX, XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$99.00}, Open Date XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$53.00}, Open Date XX/XX/XXXX ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediatelyXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes in XXXX of 2024, on 2 items ( same creditor ) that involved late payments constantly being reported every month on accounts that were resolved. Equifax then updated the accounts with negative remarks that dropped my score significantly. This has violated my rights to file a dispute without the risk of further damaging my credit.
Product: Debt collection

I was billed {$85.00} for XXXX XXXX by XXXX XXXX XXXX that were performed for my wife XXXX 's XXXX XXXX on or around XXXX XXXX. I paid the bill through my medical savings account on XXXX/XXXX/XXXX. For some reason the payment was not recorded and before I could resolve the issue with them was sent to collections. IC System have been attempting to collect the {$85.00} from me for the past year. I have talked to IC Systems several times on the phone over the past year and have been unable to resolve the issue even though I have sent them documentation showing that the bill was paid. Every time I talk to them on the phone they post another negative report on my credit score. I know it 's just {$85.00} and I could just repay the bill again but it 's the principle of having paid my bill and still being sent to collections. I would like this resolved and the negative reports taken off my credit score. What can I do?
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( FORTIVA ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( FORTIVA ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( FORTIVA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( FORTIVA ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to FORTIVA.
Product: Mortgage

On XXXX XXXX We sent Statebridge Company {$1500.00} in certified funds. We sent the payment XXXX and Statebridge received and signed for the funds on XXXX XXXX at XXXX. On XXXX XXXX, 2015 i contacted Statebridge via a phone call. The customer represenative said they did not receive payment and have no record of any payment. The representative said she refused to speak with me unless I rescinded a Cease and Desist order they received XXXX XXXX I faxed them a letter on XXXX XXXX, 2015 rescinding the Cease and Desist Order. I called Statebridge again on XXXX XXXX, 2015 and the representative indicated they did receive the rescinded a Cease and Desist Order. The representative once again denied receiving the payment. I reminded her that The Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. 
We have been charged additional interest on our account because of Statebridges violation of the CFPB rules by not crediting the consumers account
Product: Credit reporting or other personal consumer reports

XXXX still has NOT addressed my concerns regardiing obtaining my CREDIT BUREAU consumer report on XXXX, XXXX without my permission, or without a permissible purpose by law, pursuant to Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

Instead, they keep referencing an old dispute from XX/XX/XXXX case number XXXX which is NOT the same issue at hand! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), 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, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, Experian and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had just got a report sent back via email from Transunion and CFPB regarding a matter that STILL is not being taken care of. Transunion keeps reporting the items of XXXX XXXX XXXX which is a car Surrender. We are not disputing the amount that is owed to XXXX XXXX XXXX. We know that it is a collection. We are disputing the way it is being reported. Both items with XXXX XXXX XXXX are CHARGE OFFS. They should be reported as such. I do not understand why it is taking more than two months for this to be corrected. Transunion even wrote it in a letter to you and us that it is a CHARGE OFF but, it is not being reported. It is being reported as opened with a monthly payment. There should be no monthly payment. Again, we acknowledge there is a balance owed. I sent a letter previously to you and Transunion yet this is still something that isn't being corrected and I do not understand why. If it was corrected as a CHARGE OFF, we would have a better chance on obtaining loans. We do know that it is going to be reported as a balanced owed for 7 years. WE JUST WANT IT TO BE REPORTED CORRECTLY AS A CHARGE OFF. Enough is enough already. This is in violation under the Fair Credit Reporting act. It is causing undue stress and anxiety and it effects everyone in the household. Our next step will be to sue for an unresolved Transunion Dispute. We have the right to sue under the FCRA. I am giving them time to correct this action. It has been reported constantly. Nobody should have to deal with this unprofessional practice. Even the CFPB that did the report review previously got the company name wrong we were disputing. THIS IS UNCALLED FOR!
Product: Checking or savings account

To whom it may concern. 

Bank of America which I have had an account with for over a decade has recently been holding my funds and causing my bill pay to incur fees on me. Specifically the last check I deposited, for {$3500.00}, has a 2 week hold placed on it and BOA is telling me that they can not release the funds until Bank of America receives the funds. Fortunately the check is from my companies business account so I have verified with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX that the funds have indeed cleared, been removed from my business account and have passed thru the Federal Reserve so the only place they can be in in Bank of Americas hands. I placed this deposit on XX/XX/2018 it is not XX/XX/2018 and they are still insisting that they have not received funds. I have been to the XXXX XXXX BOA branch 2 times and called corporate 4 times to get this resolved. All of them insist that the funds are not there. 

What is really happening is that I have an S-Corp for years I have co-endorsed my business checks and just deposited then into my checking account with BOA as a S-Corp allows for the co-mingling of funds. About a month or so ago they held one of these checks ( ran up fees on me, which I did not complain about ) and told me it was not allowed and that I had to open a business account. When I told them I had been doing it for years the person at corporate tersely told me well you finally got caught as if I were scamming them. Fine company policy is company policy, but I decided that I would not be opening that business account with BOA so I opened one last month with XXXX. I wrote a check from this account to my personal account and did not account for a fee so it NSFed. That is completely on me and as soon as the funds were available in my business account again I went down and had XXXX issue a cashier 's check, took it to Bank of America and cleaned up the mess. This was completely on me and I dealt with the issue. Now they are using this as an excuse to hold my check I deposited for two weeks as nothing more than a punitive measure and to rack up fees. There is no uncertainty that Bank of America has those funds as it has been confirmed with XXXX, they have had them since the XXXX. As at this point I would stop payment on that check, return it to my Business account and move the money via cash to my BOA account to cover funds.
Product: Credit reporting or other personal consumer reports

REMOVE HARD INQUIRIES EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all the information in this Notice of Dispute to complete your investigation and report back to me the results of your investigation within 30 days of my Notice of Dispute. 
Your firm has verified a few times that the account : XXXX XXXX # XXXX. 
Comenity BankXXXX XXXX  XXXX. 
should in your opinion NOT be removed from my credit report even after forwarding to me documents showing the Date of Last Payment as XXXX XXXX which means the Date of First De linquency which triggers the 7 year reporting period is XX/XX/XXXX. 
You have communicated to me via CFPB portal that the Date of First Delinquency is XX/XX/XXXX this is FALSE. 
My question is why are you reporting Date of Last Payment as XX/XX/XXXX and not remove account ( XXXX )? 
Please send me proof that the Date of First Delinquency is XX/XX/XXXX and not XX/XX/XXXX which is the month after the Date of Last Payment that you are reporting to at least one credit bureau.

I request this information under FCRA 623. 
Your company has already assisted XXXX XXXX and XXXX with the verification of this account per your obligations under 623 ( b ), you must already have documentation in your possession to support that this item has not surpassed the 7 year reporting period. I have disputed that the XXXX XXXX # XXXX and the Comenity Bank/XXXX accounts be removed because they are too old. 
Instead of removing the accounts your company verified. This indicates that the Date of Last Payment is not the date you communicated to me and reporting to at least XXXX credit reporting agency. If proof is not sent showing the dates that would allow this account to currently be reporting then if proof is not obtained and forwarded, then I will assume there is no proof and will consider this matter with your company closed and expect removal of notations of this account to any and all credit reporting agencies to which you are currently reporting. 
If you fail to fulfill your obligations under FCRA 623 ( a ) with regard to this dispute I will file complaints with the FTC and Attorney General Offices in both your state and mine. 
In addition, this failure will be construed and interpreted as direct evidence of your failure to fulfill your obligations with regard to FCRA 623 ( b ). Be advised that per XXXXXXXX XXXX XXXXXXXX XXXX, a data furnishers failure to meet obligations under FCRA 623 ( b ) in the context initiated with credit reporting agencies is privately actionable in a court of law.
Product: Credit card

At XXXXXXXX XXXX XXXX on XX/XX/year> a call claiming to be Chase Bank called with an offer to lower my interest rate to 6 %, transferred my call immediately. Upon transfer, they noted my on time payments and then began asking questions about any other accounts I may have as well as my general payment history. I ended the call after XXXX minute XXXX seconds. The call came from the number XXXX which a quick XXXX searched showed to be unrelated to Chase Bank at all.