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

I have notified XXXX & Equifax MULTIPLE TIMES stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my STATE ATTORNEY GENERAL. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I TOO AM A VICTIM OF THESE DECEPTIVE BUSINESS PRACTICES and fraudulent accounts not being removed from my credit report. 

Please remove this account TODAY. 

Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. 

Please delete these items IMMEDIATELY. XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX 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: Debt collection

I received no notice of debt owed. The only way I found out about the collection was through an alert from the XXXX XXXX app on my phone. I received no phone calls, emails or mail from this company, yet they are reporting an account that I had with them. When I initially disputed this through the credit bureau, the account was simply updated to paid, but I never paid them directly. When I called for more information, they said that I should reach out to the original creditor, but it made no sense because it shows that I have an account with them that was. Even after requesting information in writing, I've received nothing.
Product: Credit card or prepaid card

I found out there were authorized charges on my credit card. I called the bank and they said they would investigate. On XX/XX/XXXX, they sent me letter to conclude I would not be responsible for the charges ( {$480.00} ) However on XX/XX/XXXX they secretly charged the same amount back to my closed credit card account and direct debited from my XXXX checking account. When I called on XX/XX/XXXX to complain about it, a lady told me they would send me the check or credit back in about 2 weeks ( which was a lie ) Today XX/XX/XXXX, I called them again, they kept transferred me back from one department to another for 5 times for 93 minutes without solving the problem. When I asked to speak with someone in highest position, each one told me she was the account manager. I asked the lady how they could close my credit card account in XX/XX/XXXX and reopened secretly and charged me back on XX/XX/XXXX. Her answer was they have right to do so anytime they want. I asked her why they did not charge on my new credit card account so that at least I was notified. I even further asked her what about if someone has a tight balance in the checking account and suddenly they took away {$5000.00} from checking and what if he/she can't make the mortgage, car payment ... .Her answer was nothing she can help.
Product: Bank account or service

On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$530.00}.
Product: Credit card or prepaid card

For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.
Product: Debt collection

WestStar Mortgage Corporation sent me a bill for my mortgage payment due in XXXX that did not arrive until after its due date. I paid the bill in a timely manner, but was still charged a late fee. 

Prior to receiving the late bill in the mail, I contacted WestStar Mortgage to tell them I had not received the bill. I was concerned that it was going to be late and wanted to let them know that I would pay it as soon as I received it. 

After the late fees were issued, I called and left several messages for someone named XXXX that was supposed to be helping me. There was no communication from her. I'm still told that the best approach is to leave her messages even though there is no communication back. 

I tried to proactively set up online payments to avoid paper bills from WestStar that frequently days before they are due. WestStar mortgage continued to request that I send an email to them with my social security number and account information. This is not compliant with any requirements regarding the protection of consumers personal identifying information. I told them I was not comfortable doing this. After several calls I was able to enroll in a third party online payment service. I know I am not the only person who has had this experience with how WestStar is doing business. They are using " slow mail '' as an excuse to charge late fees and not working with their customers on alternative payment methods.
Product: Debt collection

Apparently for some reason, RentDebt Automated Collection. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX on my  XXXX ,  XXXX  and  XXXX  credit reports to no avail.   XXXX   XXXX   XXXX  . continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? I have yet to receive anything within the allotted timeframe which is a violation of the FCRA..
In the US Law Encyclopedia, A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that RentDebt Automated Collections. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request.   XXXX   XXXX   XXXX   is blatantly disregarding the law.
Product: Checking or savings account

I was charged {$800.00} from my checking account from the company name ACIMA which I never hear of and never took any service from this company all of a sudden I seen an ACH transaction from my XXXX account which I called my bank and they put fraud investigation on it after I called the ACIMA their answers are reckless and they didnt even try to look and hung up my call. 

Please help our hard earned money Thank you
Product: Money transfer, virtual currency, or money service

I tried to send {$2500.00} through money gram, and they put it on hold. Now I need the money back to pay bills
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and there is an Aka that Ive never used on my report a child support charge off that Im confused about.

Also a few other incorrect information about me on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.
Product: Debt collection

XX/XX/2017 a collection account was placed on my credit report. I asked the credit bureaus to please verify the debt. They responded by saying the debt was verified I asked for proof of the debt being verified by creditor. No response was given. I sent a letter to creditor asking to validate no validation was given but a bill which is not considered proof the debt belongs to me. I am asking you to please have the creditor please send valid proof such as original contract with my signature. If they are unable to according to FCRA they must cease collections and delete from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX A XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1.XXXX  XXXX 2.XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX 5.XXXX  XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. XXXX  XXXX2.XXXX  XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the recent repossession of my vehicle and the inaccurate reporting of the outstanding amount by the finance company. The vehicle in question, XXXX XXXX XXXX was repossessed by Westlake Financial. At the end of my lease term. Following the repossession, I promptly contacted the finance company to settle the outstanding balance because I was unaware I owed anything. I can confirm that the vehicle has been sold, and the payment has been made in full, in accordance with the terms of the loan agreement. Despite the successful resolution, I have noticed that the finance company continues to report an inaccurate amount to the credit bureaus. WESTLAKE PORTFOLIO MANAG XXXX This discrepancy is causing a negative impact on my credit score and financial standing. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the reported information accurately reflects the resolution of the account. I have attached relevant documents, including proof of payment and the sale of the vehicle, for your reference. I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will work to rectify the reporting discrepancy, allowing for a fair representation of my credit history. Thank you for your assistance in resolving this issue. Sincerely, XXXX XXXX
Product: Credit card

This is my third attempt in submitting a complaint to the CFPB dating back to XX/XX/XXXX and the company continues to close my complaint using other ( XXXX ) and duplicate ( XXXX ) without providing a response. On XXXX day XXXX, I received multiple text message and phone calls regarding my lowes credit card account with Synchrony Bank. When I returned the call and spoke with the representative as well as escalated call to a manager, I was advised to mail front and back of my id along with a copy of a utility bill to a XXXX XXXX XXXX FL. My account was placed in a special queue. No questions were asked. No transactions were discussed. The handling was disturbing and sketchy. No letter was provided until I requested a letter of explanation. I used my Lowe 's card in XXXX to begin my holiday shopping in store and made a few purchases online around XX/XX/XXXX, XXXX and XX/XX/XXXX. This included gift cards and pink tools/box for gifts and XXXX tree and trimming items for decoration. When I received this strange call and text messages on XXXX XXXX it ruined by holiday especially without proper explanation and delayed timing from my purchase activity. Even after sending USPS Priority docs requested, it took several weeks for Synchrony Bank to sort this out which was more disturbing. This was poorly handled on their part and I would like their management team to revisit this process and provide a detailed explanation on why this occurred ( poor turn-time, lack of information provided, multiples calls and text messages on a holiday, temporarily shut down my card pending escalation review, why send id and utility bill to a XXXX XXXX XXXX Florida, and why my complaint continues to get disregarded ). I previously uploaded an XX/XX/XXXX letter that I requested stating noticed some recent activity and want to confirm it was made by me, however when I called customer service they never once went over transaction details to confirm with me. Second letter dated XX/XX/XXXX that I requested outlined to send the utility bill, bank statement, current rental agreement and driver 's license to a XXXX XXXX in XXXX XXXX, FL. The third attachment was my USPS Priority Tracking Number XXXX confirming delivery on XX/XX/XXXX to XXXX XXXX, FL at XXXX. However it took forever for Synchrony to complete their review and re-activate my line of credit with Lowes. I am expecting a response and ask Synchrony and the CFPB for the third time not to close my complaint until a review is conducted and an appropriate response is provided by Synchrony Bank.
Product: Credit reporting or other personal consumer reports

I will attach the documentation I sent to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is the response I received each time from Transunion via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Response from Transunion : We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you XXXX contact us by phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I have a credit account with AFFIRM. The account is verified by your mobile phone number. I got a new cellphone with a new mobile phone number. When I tried to access my account to manage my payments with the new phone number, it instructed me to submit the new number and wait for an email to verify my identity with a picture of my ID front and back. I followed the procedure and never got the email. I called 3-4 times and changed the phone number over the phone and each time, they verified my identity over the phone, took my new phone number and told me to wait for the email that would link me to send a photo of my ID. Its going on two months now, I just called again and nothing had been done, I verified my email and identity again over the phone and was told to wait another 7-10 business days. I am blocked out of my credit account. My payments are set up automatic thru my bank and I have no idea what has been paid off and the auto payments keep coming out without my access to the AFFIRM account to manage my account. I believe this is FRAUD and done deliberately so I won't be able to know where my auto payments are going and to which loan it is being applied. I am not going to wait another 7-10 business days to call again and get the same run around.