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

Currently in the process of refinancing my home due to tough times. I must have a collection deleted for the refinance. I paid a debt of {$64.00} to Kings Credit Services on XX/XX/2022. They sent me a deletion letter to give to my refinancing company in future tense. Which is correct because they report to the bureaus on the XXXX of each month but it wasn't accepted being that it hadn't happened yet. I then called back on XX/XX/2022 to have another deletion letter created to complete my refinance. Kings Credit Services then states they can not change the wording of the letters even though it is in the wrong tense as of this date. I spoke with XXXX XXXX and XXXX XXXX ( Supervisor ) says their lawyers can not make these changes. XXXX then refers me to contact XXXX, XXXX, and XXXX myself and get something in writing from them. That they can not change the wording of the letters even though they are in an incorrect tense. I do not understand how this can be right. Telling me to contact the credit bureaus to do their job. All I needed was a " will be '' on a letter to change to a " has been ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit that are fraudulent. My identity was stolen and for months I have been writing to Experian and they are not corroborating the 30 days. Hardly in days they answer me and these accounts the signature is not mine. 

The Accounts is : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX XXXX  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.

In accordance with the Fair Credit Reporting Act convergent company : ally financial 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  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.
Product: Checking or savings account

TD Bank sent me a notice by mail on XX/XX/XXXX stating they will be closing all my accounts including my checking and credit card accounts with no specific reason and tried to contact the bank by visiting the branch and contacting the customer care number and talking with the fraud department and no one able to give me a reason why they will be closed on XX/XX/XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX, 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 Acct without my written instructions. 


Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX  XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been having problems with the Amazon Synchrony card for a long while. The card keeps billing me amounts for things that I could not remember ordering. I had a difficult time discovering what I had purchased. 
There was no way to dispute the charges because Synchrony makes it difficult to contact them ; file a question or complaint ; or talk with a person. 
Finally, I was able to move my Amazon XXXX  XXXX  services bills onto my VISA card and I cancelled the Synchrony card. 
I was paying all bills as they came up for many months while I tried to get the problem settled. 
Now, Synchrony has billed me another {$65.00} for nothing. The account is closed, they admit, but I am being billed. 
I do not want any business with Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report for {$840.00} that I have absolutely no knowledge of, this is not my debt. The company that placed this collections account on my credit report will not return my calls, and I have no way of getting it removed, it has greatly impacted my credit. I have tried unsuccessfully to dispute it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax - Delay Tactics in Dispute Resolution Dear CFPB Team, I am writing to formally lodge a complaint against Equifax regarding their handling of my dispute related to XXXX XXXXXXXX XXXX XXXXXXXX. I received a stall letter from Equifax dated XX/XX/year>, which I believe is part of a pattern of behavior aimed at delaying the resolution of consumer disputes. 

Equifax 's tactic of claiming insufficient information or documentation is not only frustrating but also appears to be a deliberate strategy to reduce the number of disputes they are obligated to address in a timely manner. By shifting the burden back to consumers, they create an environment where many may feel overwhelmed and give up on their disputes, ultimately maintaining the status quo of their credit reports.

This behavior seems to be a clear violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681n, which outlines the civil liability for willful non-compliance. I believe that Equifax 's actions fall under this statute, as they willfully fail to comply with their obligations to investigate disputes promptly and fairly. 

I request that the CFPB take appropriate action to address this matter and hold Equifax accountable for their stall tactics. I look forward to your response and any guidance you can provide on how to further pursue this issue. 

Thank you for your attention to this important matter.
Product: Debt collection

On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I was a victim of fraud and scam last year around XX/XX/2020. XXXX XXXX along with others stole almost a XXXX dollar from me. One of the transactions was a purchased XXXX and XXXX XXXX made to buy solar panels for a XXXXXXXX XXXX XXXXXXXX XXXX purchased without my knowledge using my credit line. The Solar panel company and the loan company was advise immediately of this crime by myself and the lawyer representing me. The Loan company did not believe what had happened to me even with the POLICE REPORT and documents supporting my claim, and when ahed and reporting me to all credit business bureaus. In the meant time the lawyer was working with the LA Police department Detective unit to prove that I did not made the purchased and I never received the solar panels. Finally the issue was resolved on my favor and the loan money XXXX XXXX took to purchased the solar panels were returned to the loan company and the bad reports was removed from all credit bureaus. 
Bloomingdale 's sent my a letter stating that they were closing my account, I called Bloomindale 's card services to check the reason, I went ahead and explain what had happened to me, the representative from Bloomingdale 's immediately cut me off and said that there is nothing that can't be done that the account was closed, even thought I had the car for years and I never missed a payment.

I was a loyal customer at Bloomingdale 's for over 40 years, the way they handle this situation was not the right way, without even giving me the Opportunity to explain as what had happened to me. if Bloomingdale 's want to retain good clients like me, Bloomingdale 's need to look into this type of abuse against the consumer. For their information my credit has been restored.
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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions due to their negligence in allowing a credit report inaccurate information on my report in which I ask them to remove with account because of the inaccuracies and violation. They have failed to comply. I had mentioned a timeshare by the name of XXXX XXXX XXXX is appearing on my report and shows a past due amount of " XXXX '' however the account states- written off and past due amount. This is inaccurate once a account is closed/written off/charged off it must state paid/closed with a {$0.00} balance. My account does not and I expressed this is a violation and must be removed yet they have failed to do so. Additionally they were reporting after the account was closed on my report which was XX/XX/2018 and reported again XX/XX/2018, this again is a violation. Furthermore, the terms states 10 months. Where did they get this information from. I had asked in the past to be provided with the proof of how they validated my report, they failed to provide that as well. I feel they are not abiding by the laws set in place by the FCRA or CFPB to protect customers such as myself from being taken advantage of. Additionally, they provided me a report in which my name wasnt even spelled correctly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting my discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that recovering them was unfeasible. The CFPB 's indicate that XXXX not only has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

According to the cfbp complaint # # XXXX on XX/XX/year> to XXXX credit XXXX XXXX XXXX Discover account XXXX # XXXX I'm no agree about the the Results. I NEED THEM TO INFORM ME WITH A APROPIAT SUPPORTING XXXX XXXX THE DATA FURNISHER PROOF THERE RESULTS
Product: Money transfer, virtual currency, or money service

I got my stimulas check it says I can put it on my account but won't let me I'm far away from any banks but need the money what good does it do to lie to me saying I can deposit it when I cant
Product: Debt collection

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX and XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my credit score, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with XXXX  XXXX and XXXX XXXX : XXXX  XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$35.00} and XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Product: Credit card or prepaid card

Didn't receive my XXXX security service promotion for XXXX dollors made a payment for a {$100.00} that was not credit my card was stolen i never received another card i call over 50time every the problem was solved but that trasfer me to different departments no answer for removing the bill XXXX  conside it to be fraud and it was a XXXX balance
Product: Credit reporting or other personal consumer reports

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX Balance : {$6600.00}
Product: Credit reporting or other personal consumer reports

Capital one is reporting I had a {$5000.00} credit limit card. Which I do not recognize at all for ever having. Can I get this removed off of my credit report completely. This is incorrect information affecting my credit score. Theres a balance of {$6700.00} which I do not own this at all. Capital one platinum credit card is the credit card.
Product: Credit reporting

I am a victim of identity theft and has filed a identity theft and police report with the XXXX XXXX Police Department. The police report case number is : XXXX, the following accounts are unauthorized, fraudulent and do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education, and XXXX.
Product: Checking or savings account

Discover returned several small checks to my church claiming there were not funds available but there were my direct deposit went in my account early that morning!! I work for the XXXX XXXX XXXX XXXXXXXX and have always had direct deposit and the XXXX XXXX is always in my account by XXXX! XXXX XXXX  supervisor I requested to speak with said she did not know what time it came in which is a lie! I used to be a banker and they do know especially a direct deposit! She and the girl prior had me in hold numerous times for nearly an hour and never resolved anything! If funds are in the account the same day as my deposit the checks should not have been returned!! When they do this I then get charged with numerous NSF charges from the business!!! I want them all paid! They are just trying to avoid a bank error as it looks bad on them!!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts, late closed accounts, and charge-offs on my credit report with Credit Bureaus . These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts, late closed accounts, and charge-offs on my credit report and promptly contacted Credit Bureau . I explained the situation and submitted the required documentation, including provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and I should expect a resolution within a specific timeframe. 
The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts, late closed accounts, and charge-offs. I contacted Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Credit Bureau 's requests. The presence of these inaccuracies on my credit report is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to correct the late open accounts, late closed accounts, and charge-offs on my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of these inaccuracies. 
Compensation for any financial losses or damages incurred as a result of these inaccuracies. Please help me correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX XXXX XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.