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

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by XXXX XXXX XXXX XXXX ( a ) ( XXXX ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in XXXX XXXX XXXX XXXX b ( XXXX ), for these transactions to be publicly disclosed. Some of these accounts that were previously removed and subsequently re-added, which is a direct violation of 15 U.S.C 1681i ( a ) ( XXXX ). It has come to my attention that despite my efforts to rectify inaccuracies on my credit report, certain accounts have been unlawfully reinstated without proper documentation or justification. Furthermore, my credit card ( Social Security XXXX ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. 
As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in XXXX XXXX XXXX XXXX ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( XXXX ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s. 
I extend my gratitude for your assistance in upholding XXXX XXXX during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit card or prepaid card

I ordered an e-gift card from Macys for {$100.00} on XX/XX/XXXX to be sent to my home email and it was never received. The order number is XXXX. I called right away to let them know it was not received and they should cancel it but was told to wait a couple of days because some times it takes that long to get delivered. I have called Macy 's customer service at least 6 times to date and have repeatedly told them that the gift card was never received. Every time I called I was told the {$100.00} was in the process of being credited back to my Macy 's credit card account and I would see the refund posted in 3-5 business days. Today I called again ( 22 days later ) to ask when my refund would be processed and was told that the gift card was intercepted by some fraudster and since it was used I would not be getting my money back. Had Macy 's cancelled the card when I first called on the day it was ordered it would not have been able to be fraudulently used. Macy 's policy states that once a gift card is delivered if it is lost or stolen the customer is responsible but this card was never received by me which is evidenced by my numerous phone calls to their customer service department. As a result, I respectfully ask that you please help me obtain a refund for the {$100.00} e-gift card that was never sent to me by Macys.
Product: Debt collection

On XXXX XXXX Transworld responded to my request to confirm I owed them a debt with a letter stating that the referenced account XXXX was placed in a restrictive status to prevent further collection activity. I know that according to 15 USC 1692j ( a ) that it is unlawful to design or compile and furnish any forms creating false belief that I owe Transworld Systems Inc. I have granted this company many chances to resolve this matter. Yet this account is still on my consumer report. The document clearly does not provide evidence of indebtedness to this organization. Any attempt to collect this alleged debt can be considered fraud because I do not even know how or why they are contacting me and reporting this horrendous information on my consumer report. Every letter I have submitted has tracking information attached to it so I know that my disputes are being received. Therefore I will not accept an excuse to why this matter is not already resolved.
Product: Student loan

I have contacted MOHELA numerous times to resolve this issue and have been lied to, passed around, or completely ignored. According to my records, I paid them everything I owed them BEFORE my grace period was over. The first thing I was told was that I canceled all of my payments and owed them everything which is ridiculous considering I had paid the total amount due ( over {$25000.00} ) BEFORE the end of the grace period the federal government had extended. They then stated they could not account for {$6000.00} of the money I paid them. When I accused them of pocketing said money, the number changed to {$3500.00}. They told me they could defer the loan until they could track down the money and I confirmed that was what I wanted to do. Yet I am receiving letters that they are charging me interest on said loan. They also stated the only method I could use to send them proof that they have my money is to fax it to them. When I told them that I did not have access to a fax machine, I was told that that was the only acceptable method.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , XXXX XXXX , and Exeprian. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.
Product: Credit card

I called on XX/XX/XXXX to check in to the annual fee that was going to be assed the following statement date to be generated today XX/XX/XXXX. I am not paperless, as of this date I have not seen the statement but was able to view it on line. The annual fee starts on XX/XX/XXXX to XX/XX/XXXX for {$39.00}. Today I contacted them 4 times to resolve this issue and they told me they can not fix it because its already in the statement, I requested multiple escalations and finally they told me all managers were busy and can not helped me. The issues are : on XX/XX/XXXX and XX/XX/XXXX, the representatives did not see the annual fee, therefore they were not able to do nothing. XX/XX/XXXX, statement generated and the 5 representatives I spoke with can not do anything about it, instead they told me I am responsible to pay for the future fee while I am requesting closure of the account. I want to closed the account and I do not want to be charge XXXX annual fee because this issue FRAUD, I READ THE CREDIT CARD HOLDER AGREEMENT attached below and it clearly states : " I can close the account anytime '' furthermore, the agreement does not include any close or provision of a NOTICE REQUIREMENT when credit card holder wishes to close the account. Today my balance is {$530.00} instead of {$490.00}, oo AVANT assessed the annual fee putting me over the credit limit. I just made my min payment of {$25.00} The status of the account is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from the creditor that they couldnt find record of this account, so how did you come back and say that it was verified as accurate? How when both XXXX and XXXX removed the account? This is unverified and illegal reporting, remove the following account from my credit report immediately : XXXX XXXX XXXX.
Product: Credit card

I have a been charged a crazy high amount in interest charges. The charges are doubling weekly and I will never be able to pay it off the way they are compounding.
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Prepaid card

In XXXX I filed a claim with XXXX Bank of America and my claim was denied but eventually reopened in XXXX but my claim has still been pending for 2 years. I call regularly and get the same answer.. my claim is pending, and that there is nothing they can tell me about time frame. This is unacceptable I need my claim to be resolved asap
Product: Checking or savings account

On XXXX XXXX, my Chime account was compromised. I was not able to reset my password because the phone number was changed. After submitting my ID and personal information to the company to change the phone number, I was finally able to reset my password and log in. I immediately transfered the remaining funds to my other personal account, locked my debit card and account and disputed all of the transactions that occurred during the time frame. The following month all but two of the transactions were reversed and I received confirmation as well as the money back. I've been dealing with the remaining two transactions since then. I've filed a dozen rebuttals and sent in as much information as I can but keep getting the same response and nothing has been done to remedy the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1979, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been  unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXXXXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which 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 Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

When using XXXX.com from the FTC 's website, the Experian credit report will not generate. Instead, you get this error : " A condition exists that prevents Experian from being able to accept your request at this time. ''
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion, in relation to inaccurate reporting of my XXXX XXXX account ( Creditor : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ). As an XXXX XXXX member currently XXXX, I am deeply concerned that my FCRA rights are being ignored, and corrective action must be taken immediately. Summary of Issues : 1. Closed Account Updates and Balance Inaccuracy : The account in question was closed as of XX/XX/year>. Despite this, XXXX XXXX has continued to make unauthorized balance updates, increasing the reported balance from {$7000.00} to {$7800.00} without valid explanation or documentation.

2. False Account Reporting : TransUnion is reporting an account { XXXX XXXX XXXX } on my credit report that does not belong to me. I have never opened, used, or authorized this account, yet it continues to appear as a derogatory mark on my credit file. 
I have requested proof of the original contract and verification of my authorization for this account, yet TransUnion has failed to provide any supporting documentation. 
XXXX. Incorrect Payment Status Reporting : The payment status of this account has been inaccurately reported as " Account Paid in Full was a Collection, '' which is misleading and damaging to my credit standing. This misrepresentation further violates my FCRA rights.

4. Improper Verification Process by TransUnion : TransUnion has failed to obtain legally required proof of contract, documentation of the original debt obligation, or evidence of how the investigation was conducted.

This violates TransUnions duty to ensure accuracy and transparency under the FCRA.

5. Failure to Properly Address Disputes : I have submitted multiple formal dispute claims regarding these accounts in the past two months. TransUnion has failed to provide : Any documentation validating the debts. 
Proof of a legitimate investigation. 
Required notice of the outcome of the dispute process.
Product: Payday loan, title loan, or personal loan

XXXX XXXX sent a live check guaranteed loan offer that promised reporting to credit agency 's. I have been trying since XX/XX/XXXX two months after opening account, to get them to do this. XX/XX/2018 I was told by the branch manager if I renew my loan, " it will definitely be reported. '' My response to her was, " It should definitely already been reported 4 months ago. '' On XX/XX/2018, the branch manager called me and informed me I had to call XXXX and file a dispute so they ( XXXX XXXX ) can do what they needed to do. These people obviously have no idea what they are doing or don't care they do not fulfill their end of the agreement. They checked my credit without my permission creating a hard inquiry. I have requested this be removed. The offer was not a pre-approved offer, by it being guaranteed they already had all the information they wanted and needed when they did a soft inquiry on my report in XX/XX/2018. Consumer regulation allows for a credit check for the purpose of underwriting, this company already had the loan offer underwritten, which is why a hard inquiry is not allowed after the fact and especially without permission or knowledge. They claimed they submitted the request for the removal of the hard inquiry but they had not because I called XXXX and had filed a dispute, had they filed it already, I would not have had to file. They have not responded to XXXX as of XX/XX/XXXX because it is still on there.